Loyal Trust 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 3.3% in Q2 2026 to -$1.7M, the biggest move on this page. Within Georgia, Loyal Trust Bank is 46th of 79 on CET1 ratio, 15.84% as of Q2 2026, below the middle of the field. Loyal Trust Bank reported 15.84% on CET1 ratio for Q2 2026, 0.77 points above 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 | 15.84% |
| Tier 1 risk-based capital ratio | 15.84% |
| Total risk-based capital ratio | 17.09% |
| Tier 1 leverage ratio | 10.77% |
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 | $25.0M |
| Tier 1 capital | $25.0M |
| Total risk-based capital | $27.0M |
| Total equity capital | $25.4M |
| Risk-weighted assets | $157.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.78% |
| Tangible equity to tangible assets | 10.03% |
| Equity capital to average assets | 10.83% |
| Internal capital growth rate | -0.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $25.3M |
| Retained earnings | -$901K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | 18.97% | 18.97% | 20.10% | 16.30% | $127.2M |
| Q4 2023 | 19.28% | 19.28% | 20.49% | 13.67% | $123.8M |
| Q1 2024 | 18.85% | 18.85% | 20.02% | 12.62% | $126.9M |
| Q2 2024 | 18.69% | 18.69% | 19.86% | 12.42% | $128.0M |
| Q3 2024 | 18.33% | 18.33% | 19.54% | 12.10% | $130.0M |
| Q4 2024 | 17.36% | 17.36% | 18.45% | 12.96% | $137.9M |
| Q1 2025 | 16.89% | 16.89% | 17.97% | 12.32% | $143.2M |
| Q2 2025 | 16.65% | 16.65% | 17.75% | 11.46% | $146.4M |
| Q3 2025 | 16.30% | 16.30% | 17.50% | 11.30% | $150.9M |
| Q4 2025 | 15.60% | 15.60% | 16.80% | 10.47% | $157.9M |
| Q1 2026 | 15.96% | 15.96% | 17.12% | 10.62% | $157.1M |
| Q2 2026 | 15.84% | 15.84% | 17.09% | 10.77% | $157.9M |
Loyal Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Loyal Trust 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 Loyal Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59182) · FFIEC NIC profile (RSSD 5427684)