South Georgia 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%.
Accumulated other comprehensive income climbed 10.3% in Q2 2026, from -$5.0M to -$4.5M. It was the largest change from Q1 2026 among the key lines here. Within Georgia, South Georgia Bank is 23rd of 79 on CET1 ratio, 20.57% 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. South Georgia Bank sits 5.50 points higher, at 20.57% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.57% |
| Tier 1 risk-based capital ratio | 20.57% |
| Total risk-based capital ratio | 21.84% |
| Tier 1 leverage ratio | 10.60% |
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 | $28.4M |
| Tier 1 capital | $28.4M |
| Total risk-based capital | $30.1M |
| Total equity capital | $23.9M |
| Risk-weighted assets | $138.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.86% |
| Tangible equity to tangible assets | 8.86% |
| Equity capital to average assets | 8.91% |
| Internal capital growth rate | 7.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $10.6M |
| Retained earnings | $16.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 19.25% | 19.25% | 20.52% | 11.75% | $128.0M |
| Q4 2023 | 19.37% | 19.37% | 20.63% | 11.68% | $128.8M |
| Q1 2024 | 19.57% | 19.57% | 20.84% | 11.37% | $128.9M |
| Q2 2024 | 19.99% | 19.99% | 21.25% | 11.70% | $127.8M |
| Q3 2024 | 20.01% | 20.01% | 21.28% | 11.81% | $129.1M |
| Q4 2024 | 20.52% | 20.52% | 21.79% | 11.68% | $127.4M |
| Q1 2025 | 20.36% | 20.36% | 21.62% | 11.43% | $129.7M |
| Q2 2025 | 19.82% | 19.82% | 21.08% | 10.70% | $135.1M |
| Q3 2025 | 19.57% | 19.57% | 20.84% | 10.61% | $138.7M |
| Q4 2025 | 19.79% | 19.79% | 21.06% | 10.68% | $139.2M |
| Q1 2026 | 20.41% | 20.41% | 21.68% | 10.66% | $137.0M |
| Q2 2026 | 20.57% | 20.57% | 21.84% | 10.60% | $138.0M |
South Georgia Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock South Georgia 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 Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32532) · FFIEC NIC profile (RSSD 995571)