Promiseone 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%.
Equity capital to total assets rose 0.43 percentage points from Q1 2026 to Q2 2026, ending at 8.58% against 8.15%. It was the largest change among the key lines on this page. Promiseone Bank ranks 47th of 79 Georgia banks on CET1 ratio, in the lower half at 15.70% (Q2 2026). Promiseone Bank reported 15.70% on CET1 ratio for Q2 2026, 0.63 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.70% |
| Tier 1 risk-based capital ratio | 15.70% |
| Total risk-based capital ratio | 16.82% |
| Tier 1 leverage ratio | 10.12% |
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 | $85.2M |
| Tier 1 capital | $85.2M |
| Total risk-based capital | $91.3M |
| Total equity capital | $69.7M |
| Risk-weighted assets | $542.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.58% |
| Tangible equity to tangible assets | 8.45% |
| Equity capital to average assets | 8.27% |
| Internal capital growth rate | 6.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.6M |
| Common stock surplus | $25.3M |
| Retained earnings | $52.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.7M |
| 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 | 17.08% | 17.08% | 18.19% | 10.87% | $465.6M |
| Q4 2023 | 17.24% | 17.24% | 18.35% | 10.98% | $465.5M |
| Q1 2024 | 17.17% | 17.17% | 18.28% | 11.01% | $472.7M |
| Q2 2024 | 16.99% | 16.99% | 18.09% | 10.90% | $476.1M |
| Q3 2024 | 17.05% | 17.05% | 18.14% | 11.13% | $481.5M |
| Q4 2024 | 16.26% | 16.26% | 17.35% | 9.64% | $503.9M |
| Q1 2025 | 15.92% | 15.92% | 17.00% | 10.10% | $518.1M |
| Q2 2025 | 15.92% | 15.92% | 17.06% | 10.26% | $524.4M |
| Q3 2025 | 15.99% | 15.99% | 17.09% | 10.16% | $531.2M |
| Q4 2025 | 15.58% | 15.58% | 16.74% | 9.89% | $533.6M |
| Q1 2026 | 15.73% | 15.73% | 16.83% | 9.96% | $536.2M |
| Q2 2026 | 15.70% | 15.70% | 16.82% | 10.12% | $542.7M |
Promiseone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Promiseone 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 Promiseone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58657) · FFIEC NIC profile (RSSD 3832127)