Premier Bank of the South: 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 biggest quarter-over-quarter change on this page was a small one: Total risk-based capital ratio edged up 0.48 percentage points between Q1 2026 and Q2 2026, to 17.29%. Within Alabama, Premier Bank of the South is 13th of 36 on CET1 ratio, 16.07% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Premier Bank of the South sits 1.00 points higher, at 16.07% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.07% |
| Tier 1 risk-based capital ratio | 16.07% |
| Total risk-based capital ratio | 17.29% |
| Tier 1 leverage ratio | 9.37% |
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 | $34.8M |
| Tier 1 capital | $34.8M |
| Total risk-based capital | $37.4M |
| Total equity capital | $31.6M |
| Risk-weighted assets | $216.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.53% |
| Tangible equity to tangible assets | 8.53% |
| Equity capital to average assets | 8.53% |
| Internal capital growth rate | 0.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $19K |
| Common stock surplus | $9.0M |
| Retained earnings | $25.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| 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 | 18.00% | 18.00% | 19.25% | 9.53% | $167.7M |
| Q4 2023 | 17.43% | 17.43% | 18.52% | 9.40% | $177.7M |
| Q1 2024 | 15.64% | 15.64% | 16.63% | 9.17% | $199.7M |
| Q2 2024 | 16.69% | 16.69% | 17.74% | 9.05% | $188.1M |
| Q3 2024 | 15.37% | 15.37% | 16.38% | 8.95% | $207.3M |
| Q4 2024 | 17.10% | 17.10% | 18.20% | 9.08% | $193.6M |
| Q1 2025 | 16.74% | 16.74% | 17.84% | 9.18% | $199.7M |
| Q2 2025 | 16.73% | 16.73% | 17.79% | 9.28% | $200.6M |
| Q3 2025 | 14.85% | 14.85% | 15.81% | 9.11% | $226.5M |
| Q4 2025 | 16.23% | 16.23% | 17.30% | 9.26% | $212.3M |
| Q1 2026 | 15.76% | 15.76% | 16.81% | 9.29% | $220.4M |
| Q2 2026 | 16.07% | 16.07% | 17.29% | 9.37% | $216.2M |
Premier Bank of the South regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank of the South, 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 Premier Bank of the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27118) · FFIEC NIC profile (RSSD 1160509)