Savannah Bank, 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 fell 6.3% from Q1 2026 to Q2 2026, ending at -$3.3M against -$3.1M. It was the largest change among the key lines on this page. Within New York, Savannah Bank, N.A. is 32nd of 82 on CET1 ratio, 17.81% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Savannah Bank, N.A. sits 2.74 points higher, at 17.81% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.81% |
| Tier 1 risk-based capital ratio | 17.81% |
| Total risk-based capital ratio | 19.06% |
| Tier 1 leverage ratio | 8.92% |
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 | $17.4M |
| Tier 1 capital | $17.4M |
| Total risk-based capital | $18.6M |
| Total equity capital | $14.0M |
| Risk-weighted assets | $97.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.49% |
| Tangible equity to tangible assets | 7.49% |
| Equity capital to average assets | 7.20% |
| Internal capital growth rate | 13.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $375K |
| Common stock surplus | $625K |
| Retained earnings | $16.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 15.23% | 15.23% | 16.49% | 8.01% | $97.0M |
| Q4 2023 | 15.49% | 15.49% | 16.74% | 8.03% | $96.6M |
| Q1 2024 | 15.92% | 15.92% | 17.17% | 8.30% | $96.0M |
| Q2 2024 | 16.38% | 16.38% | 17.63% | 8.57% | $94.0M |
| Q3 2024 | 16.09% | 16.09% | 17.34% | 8.38% | $96.6M |
| Q4 2024 | 16.44% | 16.44% | 17.69% | 8.28% | $95.4M |
| Q1 2025 | 16.45% | 16.45% | 17.70% | 8.45% | $96.8M |
| Q2 2025 | 16.41% | 16.41% | 17.66% | 8.60% | $99.4M |
| Q3 2025 | 16.95% | 16.95% | 18.20% | 8.61% | $97.7M |
| Q4 2025 | 17.05% | 17.05% | 18.27% | 8.69% | $98.1M |
| Q1 2026 | 17.03% | 17.03% | 18.23% | 8.61% | $99.3M |
| Q2 2026 | 17.81% | 17.81% | 19.06% | 8.92% | $97.5M |
Savannah Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Savannah Bank, 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 Savannah Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14619) · FFIEC NIC profile (RSSD 647414)