Milledgeville State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.86% (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: 6.86% (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 13.76% +7.26 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 | $22.5M | 22,540 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $163.8M | 163,757 | RCOAA223 |
| Recomputed ratio | 13.76% | numerator / denominator | |
| Filed ratio | 13.76% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.26 pp | $11.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.76% +5.76 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 | $22.5M | 22,540 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $163.8M | 163,757 | RCOAA223 |
| Recomputed ratio | 13.76% | numerator / denominator | |
| Filed ratio | 13.76% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.76 pp | $9.4M | capital that could be lost first |
Total risk-based capital ratio 14.86% +4.86 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 | $24.3M | 24,337 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $163.8M | 163,757 | RCOAA223 |
| Recomputed ratio | 14.86% | numerator / denominator | |
| Filed ratio | 14.86% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.86 pp | $8.0M | capital that could be lost first |
Tier 1 leverage ratio 10.48% +5.48 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 | $22.5M | 22,540 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $215.1M | 215,137 | RCOAA224 |
| Recomputed ratio | 10.48% | numerator / denominator | |
| Filed ratio | 10.48% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.48 pp | $11.8M | 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 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | RCOAP742 |
| Retained earnings | 20,540 | 20,411 | 20,572 | 20,009 | 19,582 | 19,211 | RCOAKW00 |
| Accumulated other comprehensive income | (2,303) | (2,571) | (2,085) | (2,364) | (3,520) | (3,438) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 20,237 | 19,840 | 20,487 | 19,645 | 18,062 | 17,773 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,303 | 2,571 | 2,085 | 2,334 | 3,520 | 3,438 | P859 - P840 |
| Common equity Tier 1 capital | 22,540 | 22,411 | 22,572 | 21,979 | 21,582 | 21,211 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 22,540 | 22,411 | 22,572 | 21,979 | 21,582 | 21,211 | RCOA8274 |
| Tier 2 capital | 1,797 | 1,247 | 1,097 | 927 | 1,185 | 1,125 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,797 | 1,247 | 1,097 | 927 | 1,185 | 1,125 | RCOA5310 |
| Total capital | 24,337 | 23,658 | 23,669 | 22,906 | 22,767 | 22,336 | RCOA3792 |
| Total risk-weighted assets | 163,757 | 160,344 | 158,537 | 151,941 | 143,500 | 137,855 | RCOAA223 |
| Average total assets for the leverage ratio | 215,137 | 212,490 | 207,684 | 197,133 | 189,361 | 187,645 | 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 | $12.0M | $1.2M | 10.26% | 0.75% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $55.3M | $15.1M | 27.27% | 9.20% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $7.7M | $3.9M | 50.00% | 2.36% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $391K | $391K | 100.00% | 0.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $131.9M | $131.9M | 100.00% | 80.55% | RC-R Part II, item 4.d, 5.d |
| All other assets | $12.0M | $10.6M | 88.43% | 6.50% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $3.2M | $646K | 20.00% | 0.39% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | 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 | $163.8M | ties to item 31 ($163.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $163.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $163.8M | 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 | 13.76% | 13.76% | 14.86% | 10.48% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.98% | 13.98% | 14.75% | 10.55% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.24% | 14.24% | 14.93% | 10.87% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.47% | 14.47% | 15.08% | 11.15% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.04% | 15.04% | 15.87% | 11.40% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.39% | 15.39% | 16.20% | 11.30% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.52% | 15.52% | 16.34% | 11.55% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.21% | 15.21% | 16.25% | 11.74% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.05% | 16.05% | 17.18% | 11.73% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.40% | 15.40% | 16.51% | 11.54% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.67% | 15.67% | 16.78% | 12.01% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 17.26% | 17.26% | 18.51% | 11.72% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Milledgeville State Bank (this bank) | Risk-based | 13.76% | 13.76% | 14.86% | 10.48% | |
| Farmers Savings Bank | $215.3M | CBLR | NA | NA | NA | 12.59% |
| Farmers and Merchants Bank | $215.4M | Risk-based | 13.84% | 13.84% | 14.97% | 11.08% |
| First Bank of Coastal Georgia | $215.7M | Risk-based | 18.69% | 18.69% | 19.66% | 9.07% |
| Commercial Bank | $216.1M | Risk-based | 16.62% | 16.62% | 17.72% | 10.05% |
| Burling Bank | $214.2M | CBLR | NA | NA | NA | 13.65% |
| Bank of Commerce | $216.3M | CBLR | NA | NA | NA | 11.28% |
| American Bank of the Carolinas | $214.0M | CBLR | NA | NA | NA | 12.27% |
| Aroostook County Federal Savings & Loan Association | $214.0M | Risk-based | 16.04% | 16.04% | 16.69% | 10.39% |
| Tricentury Bank | $213.8M | CBLR | NA | NA | NA | 10.76% |
| Surety Bank | $213.7M | Risk-based | 23.84% | 23.84% | 24.93% | 13.24% |
| Peer 25th percentile | 16.04% | 16.04% | 16.69% | 10.49% | ||
| Peer median | 16.62% | 16.62% | 17.72% | 11.18% | ||
| Peer 75th percentile | 18.69% | 18.69% | 19.66% | 12.51% | ||
| This bank's percentile | 0 | 0 | 0 | 30 |
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/895448/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.