South Georgia Banking Company: 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 standout move of Q2 2026 was in Equity capital to total assets: 0.93 percentage points higher than in Q1 2026, at 13.94%. Within Georgia, South Georgia Banking Company is 34th of 79 on CET1 ratio, 17.89% as of Q2 2026, above the middle of the field. South Georgia Banking Company reported 17.89% on CET1 ratio for Q2 2026, 2.82 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.89% |
| Tier 1 risk-based capital ratio | 17.89% |
| Total risk-based capital ratio | 18.95% |
| Tier 1 leverage ratio | 13.86% |
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 | $79.2M |
| Tier 1 capital | $79.2M |
| Total risk-based capital | $83.8M |
| Total equity capital | $79.5M |
| Risk-weighted assets | $442.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.94% |
| Tangible equity to tangible assets | 12.34% |
| Equity capital to average assets | 13.66% |
| Internal capital growth rate | 13.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.0M |
| Common stock surplus | $34.7M |
| Retained earnings | $45.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.1M |
| 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 | 18.58% | 18.58% | 19.84% | 12.31% | $383.7M |
| Q4 2023 | 16.91% | 16.91% | 18.15% | 11.50% | $398.7M |
| Q1 2024 | 17.62% | 17.62% | 18.87% | 12.05% | $392.7M |
| Q2 2024 | 17.92% | 17.92% | 19.17% | 12.86% | $400.4M |
| Q3 2024 | 18.18% | 18.18% | 19.43% | 13.61% | $399.7M |
| Q4 2024 | 17.45% | 17.45% | 18.70% | 12.74% | $401.0M |
| Q1 2025 | 17.41% | 17.41% | 18.62% | 12.89% | $413.2M |
| Q2 2025 | 17.84% | 17.84% | 19.07% | 13.31% | $413.9M |
| Q3 2025 | 18.18% | 18.18% | 19.41% | 13.88% | $413.9M |
| Q4 2025 | 17.04% | 17.04% | 18.11% | 13.13% | $436.4M |
| Q1 2026 | 17.55% | 17.55% | 18.62% | 13.24% | $436.6M |
| Q2 2026 | 17.89% | 17.89% | 18.95% | 13.86% | $442.4M |
South Georgia Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock South Georgia Banking Company, 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20198) · FFIEC NIC profile (RSSD 767732)