Queensborough National Bank & Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 6.8% to -$22.0M. Queensborough National Bank & Trust Company has the 8th lowest CET1 ratio of the 79 banks headquartered in Georgia, at 12.36% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Queensborough National Bank & Trust Company sits 1.13 points lower, at 12.36% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.36% |
| Tier 1 risk-based capital ratio | 12.36% |
| Total risk-based capital ratio | 13.35% |
| Tier 1 leverage ratio | 8.64% |
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 | $198.9M |
| Tier 1 capital | $198.9M |
| Total risk-based capital | $214.9M |
| Total equity capital | $179.6M |
| Risk-weighted assets | $1.61B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.88% |
| Tangible equity to tangible assets | 7.75% |
| Equity capital to average assets | 7.79% |
| Internal capital growth rate | -13.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $40.5M |
| Retained earnings | $159.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.0M |
| 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% | 14.51% | 9.43% | $1.33B |
| Q4 2023 | 13.49% | 13.49% | 14.35% | 9.11% | $1.35B |
| Q1 2024 | 13.71% | 13.71% | 14.59% | 8.77% | $1.35B |
| Q2 2024 | 13.95% | 13.95% | 14.86% | 9.10% | $1.36B |
| Q3 2024 | 14.00% | 14.00% | 14.92% | 9.32% | $1.38B |
| Q4 2024 | 13.52% | 13.52% | 14.43% | 9.15% | $1.44B |
| Q1 2025 | 13.78% | 13.78% | 14.71% | 9.22% | $1.45B |
| Q2 2025 | 13.59% | 13.59% | 14.49% | 9.52% | $1.50B |
| Q3 2025 | 13.88% | 13.88% | 14.82% | 9.71% | $1.51B |
| Q4 2025 | 13.05% | 13.05% | 14.01% | 9.13% | $1.53B |
| Q1 2026 | 13.18% | 13.18% | 14.16% | 9.12% | $1.56B |
| Q2 2026 | 12.36% | 12.36% | 13.35% | 8.64% | $1.61B |
Queensborough National Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Queensborough National Bank & Trust Company, 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 Queensborough National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2138) · FFIEC NIC profile (RSSD 960935)