Georgia Banking Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 43.6% lower than in Q1 2026, at -$3.8M. On CET1 ratio, Georgia Banking Company is 5th from the bottom among 79 Georgia banks, 11.83% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Georgia Banking Company sits 1.65 points lower, at 11.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.05% |
| Tier 1 leverage ratio | 10.78% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $300.7M |
| Tier 1 capital | $300.7M |
| Total risk-based capital | $331.8M |
| Total equity capital | $317.2M |
| Risk-weighted assets | $2.54B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.73% |
| Tangible equity to tangible assets | 9.17% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 10.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.8M |
| Common stock surplus | $224.7M |
| Retained earnings | $86.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.20% | 11.20% | 12.46% | 9.76% | $1.38B |
| Q4 2023 | 11.13% | 11.13% | 12.38% | 9.62% | $1.42B |
| Q1 2024 | 10.38% | 10.38% | 11.63% | 9.62% | $1.55B |
| Q2 2024 | 10.08% | 10.08% | 11.26% | 8.95% | $1.60B |
| Q3 2024 | 9.83% | 9.83% | 11.01% | 8.75% | $1.73B |
| Q4 2024 | 9.98% | 9.98% | 11.19% | 8.22% | $1.76B |
| Q1 2025 | 10.72% | 10.72% | 11.93% | 10.07% | $2.09B |
| Q2 2025 | 10.41% | 10.41% | 11.57% | 9.33% | $2.23B |
| Q3 2025 | 10.91% | 10.91% | 12.09% | 9.33% | $2.20B |
| Q4 2025 | 11.52% | 11.52% | 12.74% | 9.37% | $2.17B |
| Q1 2026 | 11.54% | 11.54% | 12.74% | 10.15% | $2.24B |
| Q2 2026 | 11.83% | 11.83% | 13.05% | 10.78% | $2.54B |
Georgia Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Georgia Banking Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Georgia Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57071) · FFIEC NIC profile (RSSD 3016347)