Southern 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital rose 3.6% from Q1 2026 to Q2 2026, ending at $32.1M against $31.0M. It was the largest change among the key lines 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 | 8.18% |
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 | $33.4M |
| Tier 1 capital | $33.4M |
| Total risk-based capital | — |
| Total equity capital | $32.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.88% |
| Tangible equity to tangible assets | 7.88% |
| Equity capital to average assets | 7.87% |
| Internal capital growth rate | 1.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $260K |
| Common stock surplus | $26.1M |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.95% | 8.02% | 8.02% |
| Q4 2023 | 9.22% | 7.41% | 7.41% |
| Q1 2024 | 8.55% | 7.31% | 7.31% |
| Q2 2024 | 9.61% | 8.41% | 8.41% |
| Q3 2024 | 9.54% | 8.53% | 8.53% |
| Q4 2024 | 9.38% | 8.32% | 8.32% |
| Q1 2025 | 9.33% | 8.45% | 8.45% |
| Q2 2025 | 9.02% | 8.16% | 8.16% |
| Q3 2025 | 9.13% | 8.47% | 8.47% |
| Q4 2025 | 9.06% | 8.47% | 8.47% |
| Q1 2026 | 8.36% | 7.75% | 7.75% |
| Q2 2026 | 8.18% | 7.88% | 7.88% |
Southern Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16288) · FFIEC NIC profile (RSSD 307334)