Great Southern Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.47% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.47% (RCOAH311).
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.
Common equity Tier 1 ratio 13.22% +6.72 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $630.0M | 630,015 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.77B | 4,766,162 | RCOAA223 |
| Recomputed ratio | 13.22% | numerator / denominator | |
| Filed ratio | 13.22% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.72 pp | $320.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.22% +5.22 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $630.0M | 630,015 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.77B | 4,766,162 | RCOAA223 |
| Recomputed ratio | 13.22% | numerator / denominator | |
| Filed ratio | 13.22% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.22 pp | $248.7M | capital that could be lost first |
Total risk-based capital ratio 14.47% +4.47 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $689.7M | 689,740 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.77B | 4,766,162 | RCOAA223 |
| Recomputed ratio | 14.47% | numerator / denominator | |
| Filed ratio | 14.47% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.47 pp | $213.1M | capital that could be lost first |
Tier 1 leverage ratio 11.25% +6.25 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $630.0M | 630,015 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.60B | 5,600,781 | RCOAA224 |
| Recomputed ratio | 11.25% | numerator / denominator | |
| Filed ratio | 11.25% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.25 pp | $350.0M | 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 | 122,995 | 122,995 | 122,995 | 122,995 | 122,995 | 122,995 | RCOAP742 |
| Retained earnings | 521,785 | 521,898 | 519,424 | 550,099 | 548,331 | 546,741 | RCOAKW00 |
| Accumulated other comprehensive income | (37,724) | (35,149) | (32,200) | (35,879) | (41,313) | (44,138) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 607,056 | 609,744 | 610,219 | 637,215 | 630,013 | 625,598 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 22,959 | 21,352 | 19,104 | 25,090 | 30,831 | 33,911 | P859 - P840 |
| Common equity Tier 1 capital | 630,015 | 631,096 | 629,323 | 662,305 | 660,844 | 659,509 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 630,015 | 631,096 | 629,323 | 662,305 | 660,844 | 659,509 | RCOA8274 |
| Tier 2 capital | 59,725 | 61,258 | 60,786 | 62,017 | 63,130 | 65,203 | RCOA5311 |
| Allowance includable in Tier 2 capital | 59,725 | 61,258 | 60,786 | 62,017 | 63,130 | 65,203 | RCOA5310 |
| Total capital | 689,740 | 692,354 | 690,109 | 724,322 | 723,974 | 724,712 | RCOA3792 |
| Total risk-weighted assets | 4,766,162 | 4,889,459 | 4,850,379 | 4,950,948 | 5,040,706 | 5,208,556 | RCOAA223 |
| Average total assets for the leverage ratio | 5,600,781 | 5,616,176 | 5,603,833 | 5,757,820 | 5,903,618 | 5,951,738 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $184.4M | $9.9M | 5.34% | 0.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $719.2M | $184.5M | 25.65% | 3.86% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $39.9M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $2.28B | $1.79B | 78.29% | 37.40% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $8.5M | $12.7M | 150.00% | 0.27% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $1.0M | $1.5M | 150.00% | 0.03% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.09B | $2.08B | 99.65% | 43.53% | RC-R Part II, item 4.d, 5.d |
| All other assets | $337.6M | $318.5M | 94.35% | 6.67% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $420.3M | $374.5M | 89.09% | 7.84% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $9.4M | $9.4M | 100.00% | 0.20% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1K | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $4.78B | ties to item 31 ($4.78B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.78B | RCONB704 |
| Less: excess allowance for credit losses | $11.9M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.77B | RCONG641, ties |
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 | Risk-based | 13.22% | 13.22% | 14.47% | 11.25% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.91% | 12.91% | 14.16% | 11.24% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.97% | 12.97% | 14.23% | 11.23% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.38% | 13.38% | 14.63% | 11.50% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.11% | 13.11% | 14.36% | 11.19% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.66% | 12.66% | 13.91% | 11.08% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.61% | 12.61% | 13.86% | 11.03% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.93% | 12.93% | 14.18% | 11.17% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.98% | 12.98% | 14.23% | 11.43% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.00% | 13.00% | 14.26% | 11.50% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.07% | 13.07% | 14.32% | 11.57% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.74% | 12.74% | 13.98% | 11.67% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Great Southern Bank (this bank) | Risk-based | 13.22% | 13.22% | 14.47% | 11.25% | |
| First Internet Bank of Indiana | $5.53B | Risk-based | 10.84% | 10.84% | 12.09% | 7.57% |
| The American National Bank of Texas | $5.51B | Risk-based | 12.30% | 12.30% | 13.55% | 8.84% |
| Northfield Bank | $5.50B | CBLR | NA | NA | NA | 13.13% |
| Institution for Savings in Newburyport and Its Vicinity | $5.56B | Risk-based | 16.21% | 16.21% | 16.56% | 12.66% |
| Coastal Community Bank | $5.45B | Risk-based | 10.97% | 10.97% | 12.27% | 9.13% |
| Green Dot Bank | $5.44B | Risk-based | 31.97% | 31.97% | 32.43% | 8.59% |
| Orrstown Bank | $5.61B | Risk-based | 12.11% | 12.11% | 13.13% | 9.97% |
| Peoples Security Bank and Trust Company | $5.43B | Risk-based | 12.75% | 12.75% | 13.74% | 10.46% |
| Cape Cod Five Cents Savings Bank | $5.62B | Risk-based | 18.18% | 18.18% | 18.83% | 11.11% |
| Firstrust Savings Bank | $5.62B | Risk-based | 11.80% | 11.80% | 13.06% | 11.44% |
| Peer 25th percentile | 11.80% | 11.80% | 13.06% | 8.91% | ||
| Peer median | 12.30% | 12.30% | 13.55% | 10.21% | ||
| Peer 75th percentile | 16.21% | 16.21% | 16.56% | 11.35% | ||
| This bank's percentile | 67 | 67 | 67 | 70 |
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/572374/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.