South Coast Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 9.90% +0.90 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $27.2M | 27,239 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $275.0M | 275,020 | RCOAA224 |
| Recomputed ratio | 9.90% | numerator / denominator | |
| Filed ratio | 9.90% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.90 pp | $2.5M | 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 | 14,926 | 14,926 | 14,926 | 14,926 | 14,926 | 14,926 | RCOAP742 |
| Retained earnings | 12,313 | 11,615 | 10,611 | 10,871 | 10,156 | 9,632 | RCOAKW00 |
| Accumulated other comprehensive income | (4,845) | (4,643) | (4,471) | (4,541) | (5,611) | (5,451) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,394 | 21,898 | 21,066 | 21,256 | 19,471 | 19,107 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,845 | 4,643 | 4,471 | 4,541 | 5,611 | 5,451 | P859 - P840 |
| Common equity Tier 1 capital | 27,239 | 26,541 | 25,537 | 25,797 | 25,082 | 24,558 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 27,239 | 26,541 | 25,537 | 25,797 | 25,082 | 24,558 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 275,020 | 269,235 | 271,409 | 268,474 | 267,157 | 258,699 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 9.90% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.86% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.41% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.61% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.39% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.72% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.55% | 13.55% | 14.80% | 9.50% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.73% | 11.73% | 12.99% | 8.64% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.60% | 11.60% | 12.86% | 8.98% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.44% | 12.44% | 13.70% | 8.98% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.74% | 12.74% | 13.99% | 9.20% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Coast Bank & Trust (this bank) | CBLR | NA | NA | NA | 9.90% | |
| Mediapolis Savings Bank | $269.9M | CBLR | NA | NA | NA | 10.20% |
| Farmers and Merchants Bank | $269.8M | CBLR | NA | NA | NA | 11.97% |
| Castroville State Bank | $269.7M | CBLR | NA | NA | NA | 10.93% |
| The Peoples Bank | $269.7M | CBLR | NA | NA | NA | 11.67% |
| Citizens State Bank | $270.1M | CBLR | NA | NA | NA | 10.74% |
| South Georgia Bank | $269.5M | Risk-based | 20.57% | 20.57% | 21.84% | 10.60% |
| Community Bank of Georgia | $269.5M | CBLR | NA | NA | NA | 10.99% |
| The First National Bank and Trust Company of Broken Arrow | $269.5M | Risk-based | 19.97% | 19.97% | 21.22% | 16.42% |
| North Shore Trust and Savings | $270.3M | CBLR | NA | NA | NA | 25.24% |
| FNB Bank | $270.3M | Risk-based | 14.21% | 14.21% | 15.46% | 10.21% |
| Peer 25th percentile | 17.09% | 17.09% | 18.34% | 10.63% | ||
| Peer median | 19.97% | 19.97% | 21.22% | 10.96% | ||
| Peer 75th percentile | 20.27% | 20.27% | 21.53% | 11.90% | ||
| This bank's percentile | NA | NA | NA | 0 |
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/706030/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.