Southern Bank and Trust 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%.
Compared with Q1 2026, Risk-weighted assets rose 3.5% in Q2 2026 to $4.16B, the biggest move on this page. Within North Carolina, Southern Bank and Trust Company is 21st of 26 on CET1 ratio, 12.68% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Southern Bank and Trust Company sits 0.80 points lower, at 12.68% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.68% |
| Tier 1 risk-based capital ratio | 12.68% |
| Total risk-based capital ratio | 13.63% |
| Tier 1 leverage ratio | 9.63% |
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 | $527.8M |
| Tier 1 capital | $527.8M |
| Total risk-based capital | $567.3M |
| Total equity capital | $433.7M |
| Risk-weighted assets | $4.16B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.18% |
| Tangible equity to tangible assets | 7.71% |
| Equity capital to average assets | 7.88% |
| Internal capital growth rate | 0.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $832K |
| Common stock surplus | $176.0M |
| Retained earnings | $376.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$119.1M |
| 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 | 11.91% | 11.91% | 12.84% | 9.02% | $3.71B |
| Q4 2023 | 11.81% | 11.81% | 12.74% | 8.83% | $3.70B |
| Q1 2024 | 12.14% | 12.14% | 13.09% | 9.07% | $3.72B |
| Q2 2024 | 12.49% | 12.49% | 13.44% | 9.24% | $3.71B |
| Q3 2024 | 12.85% | 12.85% | 13.79% | 9.41% | $3.73B |
| Q4 2024 | 13.16% | 13.16% | 14.11% | 9.37% | $3.73B |
| Q1 2025 | 13.23% | 13.23% | 14.18% | 9.49% | $3.76B |
| Q2 2025 | 13.28% | 13.28% | 14.20% | 9.98% | $3.88B |
| Q3 2025 | 13.44% | 13.44% | 14.36% | 9.92% | $3.90B |
| Q4 2025 | 12.93% | 12.93% | 13.87% | 9.57% | $3.99B |
| Q1 2026 | 13.12% | 13.12% | 14.07% | 9.69% | $4.02B |
| Q2 2026 | 12.68% | 12.68% | 13.63% | 9.63% | $4.16B |
Southern Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bank and Trust 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 Southern Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15359) · FFIEC NIC profile (RSSD 717924)