Oconee State 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Risk-weighted assets rose 6.6% in Q2 2026 to $561.3M, the biggest move on this page. Oconee State Bank ranks 69th of 79 Georgia banks on CET1 ratio, in the lower half at 12.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Oconee State Bank sits 2.20 points lower, at 12.88% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 9.98% |
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 | $72.3M |
| Tier 1 capital | $72.3M |
| Total risk-based capital | $79.3M |
| Total equity capital | $68.9M |
| Risk-weighted assets | $561.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.25% |
| Tangible equity to tangible assets | 9.04% |
| Equity capital to average assets | 9.48% |
| Internal capital growth rate | 10.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $37.2M |
| Retained earnings | $35.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | 13.67% | 13.67% | 14.84% | 9.78% | $397.8M |
| Q4 2023 | 13.75% | 13.75% | 14.94% | 9.12% | $402.9M |
| Q1 2024 | 13.72% | 13.72% | 14.92% | 9.58% | $406.1M |
| Q2 2024 | 13.16% | 13.16% | 14.36% | 9.68% | $432.7M |
| Q3 2024 | 13.32% | 13.32% | 14.53% | 9.54% | $438.4M |
| Q4 2024 | 13.02% | 13.02% | 14.25% | 9.24% | $458.1M |
| Q1 2025 | 12.57% | 12.57% | 13.82% | 9.37% | $475.1M |
| Q2 2025 | 12.15% | 12.15% | 13.40% | 9.24% | $505.5M |
| Q3 2025 | 13.43% | 13.43% | 14.68% | 10.02% | $510.2M |
| Q4 2025 | 13.50% | 13.50% | 14.75% | 9.53% | $520.3M |
| Q1 2026 | 13.39% | 13.39% | 14.64% | 9.77% | $526.7M |
| Q2 2026 | 12.88% | 12.88% | 14.13% | 9.98% | $561.3M |
Oconee State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oconee State 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 Oconee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18143) · FFIEC NIC profile (RSSD 573036)