Rochelle State 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 7.2% from Q1 2026 to Q2 2026, ending at $65.0M against $60.6M. It was the largest change among the key lines on this page. On CET1 ratio, Rochelle State Bank is 3rd from the bottom among 79 Georgia banks, 10.38% (Q2 2026). The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Rochelle State Bank sits 9.58 points lower, at 10.38% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.38% |
| Tier 1 risk-based capital ratio | 10.38% |
| Total risk-based capital ratio | 11.45% |
| Tier 1 leverage ratio | 8.02% |
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 | $6.8M |
| Tier 1 capital | $6.8M |
| Total risk-based capital | $7.4M |
| Total equity capital | $6.8M |
| Risk-weighted assets | $65.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.95% |
| Tangible equity to tangible assets | 7.30% |
| Equity capital to average assets | 8.08% |
| Internal capital growth rate | 2.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $11.3M |
| Retained earnings | -$4.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$547K |
| 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 | 18.10% | 18.10% | 18.88% | 14.96% | $46.6M |
| Q4 2023 | 14.71% | 14.71% | 15.55% | 11.84% | $47.5M |
| Q1 2024 | 12.84% | 12.84% | 13.65% | 10.76% | $53.5M |
| Q2 2024 | 11.80% | 11.80% | 12.71% | 9.69% | $57.8M |
| Q3 2024 | 10.47% | 10.47% | 11.36% | 8.71% | $59.5M |
| Q4 2024 | 10.78% | 10.78% | 11.63% | 8.43% | $57.8M |
| Q1 2025 | 10.62% | 10.62% | 11.51% | 8.26% | $59.8M |
| Q2 2025 | 10.41% | 10.41% | 11.35% | 8.56% | $61.3M |
| Q3 2025 | 10.10% | 10.10% | 11.07% | 8.50% | $64.1M |
| Q4 2025 | 10.99% | 10.99% | 12.00% | 8.47% | $59.9M |
| Q1 2026 | 10.95% | 10.95% | 12.00% | 8.24% | $60.6M |
| Q2 2026 | 10.38% | 10.38% | 11.45% | 8.02% | $65.0M |
Rochelle State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rochelle State 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 Rochelle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16609) · FFIEC NIC profile (RSSD 649632)