South Atlantic Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.21% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 4.21% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 11.27% +4.77 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $181.9M | 181,851 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.61B | 1,613,843 | RCOAA223 |
| Recomputed ratio | 11.27% | numerator / denominator | |
| Filed ratio | 11.27% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.77 pp | $77.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.27% +3.27 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $181.9M | 181,851 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.61B | 1,613,843 | RCOAA223 |
| Recomputed ratio | 11.27% | numerator / denominator | |
| Filed ratio | 11.27% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.27 pp | $52.7M | capital that could be lost first |
Total risk-based capital ratio 12.21% +2.21 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $197.1M | 197,063 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.61B | 1,613,843 | RCOAA223 |
| Recomputed ratio | 12.21% | numerator / denominator | |
| Filed ratio | 12.21% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.21 pp | $35.7M | capital that could be lost first |
Tier 1 leverage ratio 9.42% +4.42 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $181.9M | 181,851 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.93B | 1,930,247 | RCOAA224 |
| Recomputed ratio | 9.42% | numerator / denominator | |
| Filed ratio | 9.42% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.42 pp | $85.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 88,132 | 88,132 | 88,132 | 88,132 | 88,132 | 88,132 | RCOAP742 |
| Retained earnings | 100,093 | 94,768 | 89,739 | 85,307 | 80,430 | 76,275 | RCOAKW00 |
| Accumulated other comprehensive income | (17,207) | (16,806) | (16,701) | (17,708) | (20,795) | (20,858) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 171,018 | 166,094 | 161,170 | 155,731 | 147,767 | 143,549 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,833 | 10,219 | 10,114 | 11,228 | 14,316 | 14,282 | P859 - P840 |
| Common equity Tier 1 capital | 181,851 | 176,313 | 171,284 | 166,959 | 162,083 | 157,831 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 181,851 | 176,313 | 171,284 | 166,959 | 162,083 | 157,831 | RCOA8274 |
| Tier 2 capital | 15,212 | 14,612 | 14,317 | 13,692 | 13,243 | 12,648 | RCOA5311 |
| Allowance includable in Tier 2 capital | 15,212 | 14,612 | 14,317 | 13,692 | 13,243 | 12,648 | RCOA5310 |
| Total capital | 197,063 | 190,925 | 185,601 | 180,651 | 175,326 | 170,479 | RCOA3792 |
| Total risk-weighted assets | 1,613,843 | 1,550,165 | 1,528,122 | 1,477,663 | 1,493,383 | 1,457,270 | RCOAA223 |
| Average total assets for the leverage ratio | 1,930,247 | 1,901,152 | 1,864,362 | 1,883,702 | 1,855,081 | 1,820,720 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $62.0M | $6.3M | 10.22% | 0.39% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $304.5M | $104.7M | 34.37% | 6.48% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.4M | $279K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $549.4M | $317.8M | 57.84% | 19.69% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $131K | $66K | 50.00% | 0.00% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $993.8M | $990.8M | 99.69% | 61.39% | RC-R Part II, item 4.d, 5.d |
| All other assets | $99.6M | $93.5M | 93.82% | 5.79% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $107.8M | $100.4M | 93.21% | 6.22% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $288K | $50K | 17.36% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.61B | ties to item 31 ($1.61B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.61B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.61B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 11.27% | 11.27% | 12.21% | 9.42% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.37% | 11.37% | 12.32% | 9.27% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.21% | 11.21% | 12.15% | 9.19% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.30% | 11.30% | 12.23% | 8.86% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.85% | 10.85% | 11.74% | 8.74% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 10.83% | 10.83% | 11.70% | 8.67% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.87% | 10.87% | 11.74% | 8.49% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.14% | 11.14% | 12.01% | 8.36% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.55% | 11.55% | 12.43% | 8.55% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.62% | 11.62% | 12.51% | 8.76% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.36% | 11.36% | 12.23% | 8.84% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.94% | 11.94% | 12.83% | 8.90% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| South Atlantic Bank (this bank) | Risk-based | 11.27% | 11.27% | 12.21% | 9.42% | |
| Commonwealth Business Bank | $1.97B | Risk-based | 18.65% | 18.65% | 19.87% | 13.93% |
| Heritage Bank, Inc. | $1.99B | Risk-based | 11.86% | 11.86% | 12.97% | 9.01% |
| First Commerce Bank | $1.96B | Risk-based | 11.17% | 11.17% | 12.12% | 10.15% |
| Yakima Federal Savings and Loan Association | $2.00B | CBLR | NA | NA | NA | 28.14% |
| The Conway National Bank | $2.00B | Risk-based | 19.18% | 19.18% | 20.12% | 10.23% |
| Planters Bank, Inc. | $1.96B | Risk-based | 15.01% | 15.01% | 16.26% | 12.45% |
| Citizens National Bank | $1.96B | Risk-based | 15.08% | 15.08% | 16.27% | 11.17% |
| Bank of Springfield | $2.00B | Risk-based | 10.72% | 10.72% | 11.81% | 9.22% |
| Oak Valley Community Bank | $2.00B | Risk-based | 15.72% | 15.72% | 16.53% | 11.48% |
| Tri City National Bank | $1.95B | CBLR | NA | NA | NA | 11.10% |
| Peer 25th percentile | 11.69% | 11.69% | 12.76% | 10.17% | ||
| Peer median | 15.04% | 15.04% | 16.26% | 11.13% | ||
| Peer 75th percentile | 16.46% | 16.46% | 17.36% | 12.20% | ||
| This bank's percentile | 25 | 25 | 25 | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3637247/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.