Georgia Community Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.67% +4.67 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $52.0M | 52,025 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $380.5M | 380,541 | RCOAA224 |
| Recomputed ratio | 13.67% | numerator / denominator | |
| Filed ratio | 13.67% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.67 pp | $17.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 21,350 | 21,350 | 21,350 | 21,350 | 21,350 | 21,350 | RCOAP742 |
| Retained earnings | 31,562 | 32,282 | 31,886 | 29,977 | 29,264 | 29,791 | RCOAKW00 |
| Accumulated other comprehensive income | (2,664) | (2,967) | (2,527) | (2,811) | (3,860) | (4,000) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 50,248 | 50,665 | 50,709 | 48,516 | 46,754 | 47,141 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,777 | 2,080 | 1,640 | 1,924 | 2,973 | 3,113 | P859 - P840 |
| Common equity Tier 1 capital | 52,025 | 52,745 | 52,349 | 50,440 | 49,727 | 50,254 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 52,025 | 52,745 | 52,349 | 50,440 | 49,727 | 50,254 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 380,541 | 387,570 | 371,909 | 372,168 | 377,655 | 386,028 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.67% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.61% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.08% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.55% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.17% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.02% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.84% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.84% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.40% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.59% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.80% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.19% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Georgia Community Bank (this bank) | CBLR | NA | NA | NA | 13.67% | |
| Community First National Bank | $374.7M | Risk-based | 13.08% | 13.08% | 14.34% | 10.94% |
| The Farmers Bank of Appomattox | $374.6M | Risk-based | 18.53% | 18.53% | 19.18% | 12.58% |
| Tower Community Bank | $375.4M | CBLR | NA | NA | NA | 10.43% |
| Gilmer National Bank | $374.5M | Risk-based | 14.57% | 14.57% | 15.82% | 9.69% |
| The Fisher National Bank | $375.5M | CBLR | NA | NA | NA | 9.00% |
| Peoples Bank of Kankakee County | $375.6M | Risk-based | 12.02% | 12.02% | 12.93% | 7.67% |
| Lamar National Bank | $375.9M | CBLR | NA | NA | NA | 10.64% |
| First Federal Community Bank of Bucyrus | $373.8M | Risk-based | 9.77% | 9.77% | 10.89% | 8.10% |
| Golden Belt Bank, FSA | $373.5M | CBLR | NA | NA | NA | 10.07% |
| The North Country Savings Bank | $373.5M | Risk-based | 23.61% | 23.61% | 24.23% | 14.53% |
| Peer 25th percentile | 12.28% | 12.28% | 13.28% | 9.17% | ||
| Peer median | 13.83% | 13.83% | 15.08% | 10.25% | ||
| Peer 75th percentile | 17.54% | 17.54% | 18.34% | 10.87% | ||
| This bank's percentile | NA | NA | NA | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2823221/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.