RBC Bank (Georgia), N.A.: 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%.
Accumulated other comprehensive income dropped 110.9% in Q2 2026, from -$13.7M to -$28.9M. It was the largest change from Q1 2026 among the key lines here. Among 79 Georgia banks, RBC Bank (Georgia), N.A. sits 2nd from the top on CET1 ratio, 48.11% as of Q2 2026. RBC Bank (Georgia), N.A.'s CET1 ratio of 48.11% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 34.63 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 48.11% |
| Tier 1 risk-based capital ratio | 48.11% |
| Total risk-based capital ratio | 49.16% |
| Tier 1 leverage ratio | 10.42% |
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 | $981.0M |
| Tier 1 capital | $981.0M |
| Total risk-based capital | $1.00B |
| Total equity capital | $956.8M |
| Risk-weighted assets | $2.04B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.97% |
| Tangible equity to tangible assets | 9.91% |
| Equity capital to average assets | 10.16% |
| Internal capital growth rate | 26.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $234.5M |
| Retained earnings | $751.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$28.9M |
| 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 | 29.43% | 29.43% | 30.09% | 9.78% | $2.15B |
| Q4 2023 | 30.68% | 30.68% | 31.46% | 10.35% | $2.18B |
| Q1 2024 | 32.55% | 32.55% | 33.35% | 10.82% | $2.17B |
| Q2 2024 | 36.35% | 36.35% | 37.17% | 11.37% | $2.05B |
| Q3 2024 | 33.92% | 33.92% | 34.77% | 10.43% | $2.05B |
| Q4 2024 | 34.95% | 34.95% | 35.89% | 10.83% | $2.11B |
| Q1 2025 | 37.04% | 37.04% | 38.03% | 11.37% | $2.10B |
| Q2 2025 | 40.39% | 40.39% | 41.38% | 11.82% | $2.03B |
| Q3 2025 | 40.60% | 40.60% | 41.60% | 11.35% | $2.03B |
| Q4 2025 | 41.11% | 41.11% | 42.14% | 11.14% | $2.12B |
| Q1 2026 | 43.93% | 43.93% | 45.00% | 10.81% | $2.09B |
| Q2 2026 | 48.11% | 48.11% | 49.16% | 10.42% | $2.04B |
RBC Bank (Georgia), N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock RBC Bank (Georgia), N.A., 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 RBC Bank (Georgia), N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26342) · FFIEC NIC profile (RSSD 3783948)