Southern Bank of Tennessee: 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 0.69 percentage points in Q2 2026 to 9.13%, 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 | 9.01% |
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 | $46.1M |
| Tier 1 capital | $46.1M |
| Total risk-based capital | — |
| Total equity capital | $48.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.13% |
| Tangible equity to tangible assets | 8.72% |
| Equity capital to average assets | 9.45% |
| Internal capital growth rate | 5.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $35K |
| Common stock surplus | $35.1M |
| Retained earnings | $16.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$821K |
| 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 | 13.53% | 13.53% | 14.52% | 10.47% | $301.5M |
| Q4 2023 | 13.59% | 13.59% | 14.59% | 10.32% | $300.1M |
| Q1 2024 | 12.92% | 12.92% | 13.90% | 9.64% | $307.8M |
| Q2 2024 | 12.42% | 12.42% | 13.37% | 9.30% | $317.1M |
| Q3 2024 | 11.90% | 11.90% | 12.82% | 9.13% | $332.0M |
| Q4 2024 | 11.50% | 11.50% | 12.43% | 9.02% | $348.1M |
| Q1 2025 | 11.00% | 11.00% | 11.90% | 9.05% | $375.2M |
| Q2 2025 | 11.57% | 11.57% | 12.53% | 9.02% | $364.7M |
| Q3 2025 | 11.58% | 11.58% | 12.53% | 9.20% | $374.1M |
| Q4 2025 | 12.06% | 12.06% | 13.05% | 9.38% | $370.7M |
| Q1 2026 | 11.84% | 11.84% | 12.81% | 9.49% | $383.7M |
| Q2 2026 | — | — | — | 9.01% | — |
Southern Bank of Tennessee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bank of Tennessee, 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 of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34847) · FFIEC NIC profile (RSSD 2793593)