Southern Bancorp 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.59 percentage points in Q2 2026 to 12.46%, the biggest move on this page.
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 | 11.85% |
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 | $347.8M |
| Tier 1 capital | $347.8M |
| Total risk-based capital | — |
| Total equity capital | $375.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.46% |
| Tangible equity to tangible assets | 10.75% |
| Equity capital to average assets | 12.55% |
| Internal capital growth rate | 7.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $237.2M |
| Retained earnings | $168.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$30.0M |
| 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 | 18.73% | 18.73% | 19.98% | 12.62% | $1.65B |
| Q4 2023 | 19.30% | 19.30% | 20.55% | 12.20% | $1.63B |
| Q1 2024 | 19.20% | 19.20% | 20.45% | 12.37% | $1.67B |
| Q2 2024 | 18.41% | 18.41% | 19.66% | 12.53% | $1.77B |
| Q3 2024 | 19.42% | 19.42% | 20.67% | 12.36% | $1.71B |
| Q4 2024 | 18.33% | 18.33% | 19.58% | 12.13% | $1.83B |
| Q1 2025 | 18.96% | 18.96% | 20.21% | 12.40% | $1.80B |
| Q2 2025 | 18.45% | 18.45% | 19.70% | 12.79% | $1.88B |
| Q3 2025 | 18.58% | 18.58% | 19.80% | 13.39% | $1.90B |
| Q4 2025 | — | — | — | 12.77% | — |
| Q1 2026 | — | — | — | 12.28% | — |
| Q2 2026 | — | — | — | 11.85% | — |
Southern Bancorp Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bancorp 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 Southern Bancorp Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1528) · FFIEC NIC profile (RSSD 852544)