Great Southern 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%.
In Q2 2026, Equity capital to total assets edged down by 0.18 percentage points, from 7.64% to 7.46%, the largest move among the key lines here. Great Southern Bank ranks 4th of 20 Mississippi banks on CET1 ratio, in the upper half at 20.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Great Southern Bank sits 5.44 points higher, at 20.51% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.51% |
| Tier 1 risk-based capital ratio | 20.51% |
| Total risk-based capital ratio | 21.09% |
| Tier 1 leverage ratio | 9.49% |
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 | $33.7M |
| Tier 1 capital | $33.7M |
| Total risk-based capital | $34.7M |
| Total equity capital | $26.5M |
| Risk-weighted assets | $164.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.46% |
| Tangible equity to tangible assets | 7.46% |
| Equity capital to average assets | 7.45% |
| Internal capital growth rate | 4.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $7.5M |
| Retained earnings | $24.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.2M |
| 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 | 19.16% | 19.16% | 19.83% | 9.27% | $181.4M |
| Q4 2023 | 18.72% | 18.72% | 19.44% | 9.19% | $183.9M |
| Q1 2024 | 19.01% | 19.01% | 19.72% | 9.18% | $181.4M |
| Q2 2024 | 20.76% | 20.76% | 21.47% | 9.70% | $176.5M |
| Q3 2024 | 20.94% | 20.94% | 21.61% | 9.87% | $175.6M |
| Q4 2024 | 19.77% | 19.77% | 20.37% | 9.08% | $167.0M |
| Q1 2025 | 19.89% | 19.89% | 20.48% | 9.35% | $165.5M |
| Q2 2025 | 20.02% | 20.02% | 20.61% | 9.61% | $165.2M |
| Q3 2025 | 20.32% | 20.32% | 20.92% | 9.72% | $164.0M |
| Q4 2025 | 20.12% | 20.12% | 20.71% | 9.83% | $165.4M |
| Q1 2026 | 20.43% | 20.43% | 21.02% | 9.69% | $163.8M |
| Q2 2026 | 20.51% | 20.51% | 21.09% | 9.49% | $164.6M |
Great Southern Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8552) · FFIEC NIC profile (RSSD 101738)