The Jefferson 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 Risk-weighted assets: 8.0% higher than in Q1 2026, at $205.0M. The Jefferson Bank ranks 7th of 20 Mississippi banks on CET1 ratio, in the upper half at 17.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Jefferson Bank sits 2.58 points higher, at 17.65% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.65% |
| Tier 1 risk-based capital ratio | 17.65% |
| Total risk-based capital ratio | 18.93% |
| Tier 1 leverage ratio | 16.65% |
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 | $36.2M |
| Tier 1 capital | $36.2M |
| Total risk-based capital | $38.8M |
| Total equity capital | $35.1M |
| Risk-weighted assets | $205.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.64% |
| Tangible equity to tangible assets | 16.64% |
| Equity capital to average assets | 16.14% |
| Internal capital growth rate | 10.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $12.8M |
| Retained earnings | $23.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 19.52% | 19.52% | 20.79% | 20.51% | $159.8M |
| Q4 2023 | 19.32% | 19.32% | 20.60% | 19.45% | $158.6M |
| Q1 2024 | 18.98% | 18.98% | 20.26% | 18.80% | $167.6M |
| Q2 2024 | 18.70% | 18.70% | 19.98% | 18.44% | $174.6M |
| Q3 2024 | 19.86% | 19.86% | 21.14% | 18.91% | $168.1M |
| Q4 2024 | 19.87% | 19.87% | 21.16% | 19.01% | $164.6M |
| Q1 2025 | 20.35% | 20.35% | 21.64% | 19.33% | $164.6M |
| Q2 2025 | 19.87% | 19.87% | 21.16% | 19.76% | $172.7M |
| Q3 2025 | 20.00% | 20.00% | 21.29% | 19.08% | $174.7M |
| Q4 2025 | 20.60% | 20.60% | 21.89% | 17.99% | $166.2M |
| Q1 2026 | 18.59% | 18.59% | 19.87% | 17.33% | $189.8M |
| Q2 2026 | 17.65% | 17.65% | 18.93% | 16.65% | $205.0M |
The Jefferson Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Jefferson 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 The Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11445) · FFIEC NIC profile (RSSD 703039)