River City 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%.
The standout move of Q2 2026 was in Retained earnings: 10.5% higher than in Q1 2026, at $19.3M. Within Georgia, River City Bank is 66th of 79 on CET1 ratio, 13.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. River City Bank sits 1.72 points lower, at 13.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.35% |
| Tier 1 risk-based capital ratio | 13.35% |
| Total risk-based capital ratio | 14.60% |
| Tier 1 leverage ratio | 10.15% |
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 | $42.3M |
| Tier 1 capital | $42.3M |
| Total risk-based capital | $46.3M |
| Total equity capital | $39.5M |
| Risk-weighted assets | $316.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
| Equity capital to average assets | 9.49% |
| Internal capital growth rate | 19.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.7M |
| Common stock surplus | $12.4M |
| Retained earnings | $19.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 | 14.36% | 14.36% | 15.61% | 10.29% | $191.4M |
| Q4 2023 | 13.70% | 13.70% | 14.95% | 10.27% | $204.2M |
| Q1 2024 | 13.39% | 13.39% | 14.64% | 10.21% | $215.1M |
| Q2 2024 | 12.68% | 12.68% | 13.94% | 9.39% | $234.9M |
| Q3 2024 | 12.23% | 12.23% | 13.48% | 9.14% | $254.3M |
| Q4 2024 | 12.57% | 12.57% | 13.82% | 9.23% | $258.5M |
| Q1 2025 | 12.29% | 12.29% | 13.54% | 9.44% | $276.6M |
| Q2 2025 | 12.54% | 12.54% | 13.79% | 9.78% | $284.1M |
| Q3 2025 | 12.68% | 12.68% | 13.93% | 9.60% | $294.5M |
| Q4 2025 | 12.94% | 12.94% | 14.19% | 9.63% | $298.7M |
| Q1 2026 | 12.91% | 12.91% | 14.16% | 10.01% | $313.2M |
| Q2 2026 | 13.35% | 13.35% | 14.60% | 10.15% | $316.7M |
River City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock River City 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 River City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58289) · FFIEC NIC profile (RSSD 3445901)