Northeast Georgia 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%.
Retained earnings climbed 7.5% in Q2 2026, from $56.5M to $60.7M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.41% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $88.2M |
| Tier 1 capital | $88.2M |
| Total risk-based capital | — |
| Total equity capital | $81.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.47% |
| Tangible equity to tangible assets | 12.47% |
| Equity capital to average assets | 12.34% |
| Internal capital growth rate | 22.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $665K |
| Common stock surplus | $26.8M |
| Retained earnings | $60.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.78% | 9.50% | 9.49% |
| Q4 2023 | 12.06% | 10.16% | 10.15% |
| Q1 2024 | 11.57% | 9.86% | 9.85% |
| Q2 2024 | 12.26% | 10.57% | 10.56% |
| Q3 2024 | 12.99% | 11.70% | 11.70% |
| Q4 2024 | 12.89% | 11.48% | 11.48% |
| Q1 2025 | 12.15% | 10.83% | 10.83% |
| Q2 2025 | 12.76% | 11.82% | 11.82% |
| Q3 2025 | 13.65% | 12.56% | 12.56% |
| Q4 2025 | 14.18% | 13.31% | 13.31% |
| Q1 2026 | 12.77% | 11.86% | 11.86% |
| Q2 2026 | 13.41% | 12.47% | 12.47% |
Northeast Georgia Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast Georgia 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 Northeast Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15771) · FFIEC NIC profile (RSSD 888833)