Primesouth 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, Retained earnings rose 6.4% in Q2 2026 to $122.1M, the biggest move on this page. Primesouth Bank ranks 52nd of 79 Georgia banks on CET1 ratio, in the lower half at 14.63% (Q2 2026). Primesouth Bank reported 14.63% on CET1 ratio for Q2 2026, 1.15 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 15.89% |
| Tier 1 leverage ratio | 12.03% |
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 | $182.5M |
| Tier 1 capital | $182.5M |
| Total risk-based capital | $198.2M |
| Total equity capital | $174.7M |
| Risk-weighted assets | $1.25B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.91% |
| Tangible equity to tangible assets | 10.85% |
| Equity capital to average assets | 11.50% |
| Internal capital growth rate | 17.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $962K |
| Common stock surplus | $60.6M |
| Retained earnings | $122.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.9M |
| 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 | 13.08% | 13.08% | 14.34% | 10.32% | $915.3M |
| Q4 2023 | 13.39% | 13.39% | 14.64% | 10.45% | $927.6M |
| Q1 2024 | 13.50% | 13.50% | 14.76% | 10.66% | $950.8M |
| Q2 2024 | 13.49% | 13.49% | 14.75% | 10.71% | $984.8M |
| Q3 2024 | 13.63% | 13.63% | 14.89% | 10.69% | $1.01B |
| Q4 2024 | 14.19% | 14.19% | 15.44% | 10.84% | $1.01B |
| Q1 2025 | 14.58% | 14.58% | 15.83% | 11.31% | $1.03B |
| Q2 2025 | 14.80% | 14.80% | 16.06% | 11.57% | $1.06B |
| Q3 2025 | 14.54% | 14.54% | 15.80% | 11.77% | $1.12B |
| Q4 2025 | 14.66% | 14.66% | 15.91% | 11.71% | $1.15B |
| Q1 2026 | 14.56% | 14.56% | 15.82% | 11.95% | $1.20B |
| Q2 2026 | 14.63% | 14.63% | 15.89% | 12.03% | $1.25B |
Primesouth Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Primesouth 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 Primesouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5694) · FFIEC NIC profile (RSSD 1011638)