Southern Bancorp Bank: 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 11.85% +2.85 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 | $347.8M | 347,809 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.93B | 2,934,392 | RCOAA224 |
| Recomputed ratio | 11.85% | numerator / denominator | |
| Filed ratio | 11.85% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.85 pp | $83.7M | 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 | 237,206 | 237,206 | 237,206 | 237,206 | 237,206 | 237,206 | RCOAP742 |
| Retained earnings | 168,318 | 161,219 | 180,503 | 174,378 | 167,878 | 163,086 | RCOAKW00 |
| Accumulated other comprehensive income | (30,033) | (31,588) | (30,025) | (31,869) | (36,626) | (35,405) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 375,491 | 366,837 | 387,684 | 379,715 | 368,458 | 364,887 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (27,682) | (26,492) | (28,248) | (26,614) | (22,059) | (23,482) | P859 - P840 |
| Common equity Tier 1 capital | 347,809 | 340,345 | 359,436 | 353,101 | 346,399 | 341,405 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 347,809 | 340,345 | 359,436 | 353,101 | 346,399 | 341,405 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 23,278 | 23,452 | 22,531 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 23,278 | 23,452 | 22,531 | |
| Total capital | NA | NA | NA | 376,379 | 369,851 | 363,936 | |
| Total risk-weighted assets | NA | NA | NA | 1,900,554 | 1,877,308 | 1,800,628 | |
| Average total assets for the leverage ratio | 2,934,392 | 2,772,102 | 2,813,965 | 2,637,337 | 2,708,936 | 2,752,803 | 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 | 11.85% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 12.28% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 12.77% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 18.58% | 18.58% | 19.80% | 13.39% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 18.45% | 18.45% | 19.70% | 12.79% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 18.96% | 18.96% | 20.21% | 12.40% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 18.33% | 18.33% | 19.58% | 12.13% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 19.42% | 19.42% | 20.67% | 12.36% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 18.41% | 18.41% | 19.66% | 12.53% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 19.20% | 19.20% | 20.45% | 12.37% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 19.30% | 19.30% | 20.55% | 12.20% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 18.73% | 18.73% | 19.98% | 12.62% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Southern Bancorp Bank (this bank) | CBLR | NA | NA | NA | 11.85% | |
| U.S. Century Bank | $3.02B | Risk-based | 12.48% | 12.48% | 13.68% | 9.97% |
| The Bank of Tampa | $3.02B | Risk-based | 14.52% | 14.52% | 15.77% | 10.97% |
| Northwest Bank | $3.00B | Risk-based | 11.19% | 11.19% | 12.44% | 10.12% |
| Nelnet Bank | $3.00B | CBLR | NA | NA | NA | 15.94% |
| Mascoma Bank | $3.03B | Risk-based | 12.01% | 12.01% | 12.87% | 9.09% |
| Susser Bank | $2.99B | Risk-based | 11.65% | 11.65% | 12.90% | 10.10% |
| The National Bank of Indianapolis | $3.04B | Risk-based | 11.42% | 11.42% | 12.47% | 9.29% |
| Maine Community Bank | $2.98B | CBLR | NA | NA | NA | 10.11% |
| Lawrence Bank | $3.04B | Risk-based | 12.86% | 12.86% | 13.77% | 9.78% |
| First Fidelity Bank | $2.98B | CBLR | NA | NA | NA | 10.22% |
| Peer 25th percentile | 11.54% | 11.54% | 12.67% | 9.83% | ||
| Peer median | 12.01% | 12.01% | 12.90% | 10.11% | ||
| Peer 75th percentile | 12.67% | 12.67% | 13.72% | 10.19% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/852544/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.