South Atlantic 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%.
Retained earnings rose 5.6% from Q1 2026 to Q2 2026, ending at $100.1M against $94.8M. It was the largest change among the key lines on this page. South Atlantic Bank has the 3rd lowest CET1 ratio of the 30 banks headquartered in South Carolina, at 11.27% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. South Atlantic Bank sits 2.21 points lower, at 11.27% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.27% |
| Tier 1 risk-based capital ratio | 11.27% |
| Total risk-based capital ratio | 12.21% |
| Tier 1 leverage ratio | 9.42% |
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 | $181.9M |
| Tier 1 capital | $181.9M |
| Total risk-based capital | $197.1M |
| Total equity capital | $171.0M |
| Risk-weighted assets | $1.61B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.64% |
| Tangible equity to tangible assets | 8.39% |
| Equity capital to average assets | 8.83% |
| Internal capital growth rate | 12.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $18.6M |
| Common stock surplus | $69.5M |
| Retained earnings | $100.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.2M |
| 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 | 11.94% | 11.94% | 12.83% | 8.90% | $1.17B |
| Q4 2023 | 11.36% | 11.36% | 12.23% | 8.84% | $1.25B |
| Q1 2024 | 11.62% | 11.62% | 12.51% | 8.76% | $1.25B |
| Q2 2024 | 11.55% | 11.55% | 12.43% | 8.55% | $1.27B |
| Q3 2024 | 11.14% | 11.14% | 12.01% | 8.36% | $1.35B |
| Q4 2024 | 10.87% | 10.87% | 11.74% | 8.49% | $1.42B |
| Q1 2025 | 10.83% | 10.83% | 11.70% | 8.67% | $1.46B |
| Q2 2025 | 10.85% | 10.85% | 11.74% | 8.74% | $1.49B |
| Q3 2025 | 11.30% | 11.30% | 12.23% | 8.86% | $1.48B |
| Q4 2025 | 11.21% | 11.21% | 12.15% | 9.19% | $1.53B |
| Q1 2026 | 11.37% | 11.37% | 12.32% | 9.27% | $1.55B |
| Q2 2026 | 11.27% | 11.27% | 12.21% | 9.42% | $1.61B |
South Atlantic Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock South Atlantic 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 South Atlantic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58689) · FFIEC NIC profile (RSSD 3637247)