Great Oaks Bank: 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: 39.4% higher than in Q1 2026, at -$2.2M. Great Oaks Bank ranks 60th of 79 Georgia banks on CET1 ratio, in the lower half at 13.78% (Q2 2026). Great Oaks Bank reported 13.78% on CET1 ratio for Q2 2026, 1.29 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.78% |
| Tier 1 risk-based capital ratio | 13.78% |
| Total risk-based capital ratio | 15.03% |
| Tier 1 leverage ratio | 10.25% |
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 | $43.3M |
| Tier 1 capital | $43.3M |
| Total risk-based capital | $47.3M |
| Total equity capital | $41.0M |
| Risk-weighted assets | $314.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.71% |
| Tangible equity to tangible assets | 9.71% |
| Equity capital to average assets | 9.69% |
| Internal capital growth rate | 4.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $30.9M |
| Retained earnings | $12.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | 11.73% | 11.73% | 12.72% | 10.15% | $281.0M |
| Q4 2023 | 10.82% | 10.82% | 12.03% | 9.82% | $303.3M |
| Q1 2024 | 12.15% | 12.15% | 13.40% | 9.17% | $274.0M |
| Q2 2024 | 12.56% | 12.56% | 13.81% | 9.28% | $277.3M |
| Q3 2024 | 12.29% | 12.29% | 13.55% | 9.12% | $281.1M |
| Q4 2024 | 12.29% | 12.29% | 13.55% | 9.27% | $285.7M |
| Q1 2025 | 11.95% | 11.95% | 13.20% | 9.37% | $298.9M |
| Q2 2025 | 13.28% | 13.28% | 14.53% | 9.45% | $273.8M |
| Q3 2025 | 12.76% | 12.76% | 14.02% | 9.37% | $289.5M |
| Q4 2025 | 14.25% | 14.25% | 15.50% | 10.61% | $297.6M |
| Q1 2026 | 13.41% | 13.41% | 14.66% | 10.38% | $318.6M |
| Q2 2026 | 13.78% | 13.78% | 15.03% | 10.25% | $314.4M |
Great Oaks Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Oaks Bank, 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 Great Oaks Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16780) · FFIEC NIC profile (RSSD 364131)