The Southern Bank 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 6.5% to -$2.2M.
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 | 15.05% |
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 | $20.0M |
| Tier 1 capital | $20.0M |
| Total risk-based capital | — |
| Total equity capital | $17.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.42% |
| Tangible equity to tangible assets | 13.42% |
| Equity capital to average assets | 13.43% |
| Internal capital growth rate | 11.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $7.7M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | 15.37% | 10.80% | 10.80% |
| Q4 2023 | 16.08% | 11.95% | 11.95% |
| Q1 2024 | 16.15% | 12.51% | 12.51% |
| Q2 2024 | 15.92% | 12.27% | 12.27% |
| Q3 2024 | 15.39% | 13.27% | 13.27% |
| Q4 2024 | 15.27% | 12.68% | 12.68% |
| Q1 2025 | 14.58% | 12.25% | 12.25% |
| Q2 2025 | 14.26% | 12.93% | 12.93% |
| Q3 2025 | 14.62% | 12.96% | 12.96% |
| Q4 2025 | 14.48% | 13.28% | 13.28% |
| Q1 2026 | 14.96% | 13.65% | 13.65% |
| Q2 2026 | 15.05% | 13.42% | 13.42% |
The Southern Bank Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Southern Bank 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 The Southern Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29731) · FFIEC NIC profile (RSSD 117775)