South Coast Bank & Trust: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.0% to $12.3M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.90% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $27.2M |
| Tier 1 capital | $27.2M |
| Total risk-based capital | — |
| Total equity capital | $22.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.30% |
| Tangible equity to tangible assets | 8.30% |
| Equity capital to average assets | 8.14% |
| Internal capital growth rate | 12.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $103K |
| Common stock surplus | $14.8M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 12.74% | 12.74% | 13.99% | 9.20% | $158.9M |
| Q4 2023 | 12.44% | 12.44% | 13.70% | 8.98% | $159.7M |
| Q1 2024 | 11.60% | 11.60% | 12.86% | 8.98% | $174.6M |
| Q2 2024 | 11.73% | 11.73% | 12.99% | 8.64% | $175.0M |
| Q3 2024 | 13.55% | 13.55% | 14.80% | 9.50% | $176.9M |
| Q4 2024 | — | — | — | 9.72% | — |
| Q1 2025 | — | — | — | 9.49% | — |
| Q2 2025 | — | — | — | 9.39% | — |
| Q3 2025 | — | — | — | 9.61% | — |
| Q4 2025 | — | — | — | 9.41% | — |
| Q1 2026 | — | — | — | 9.86% | — |
| Q2 2026 | — | — | — | 9.90% | — |
South Coast Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock South Coast Bank & Trust, 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 Coast Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16283) · FFIEC NIC profile (RSSD 706030)