Southern Independent 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.51 percentage points to 11.45%.
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 | 13.63% |
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 | $54.6M |
| Tier 1 capital | $54.6M |
| Total risk-based capital | — |
| Total equity capital | $45.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.45% |
| Tangible equity to tangible assets | 11.45% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 9.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12K |
| Common stock surplus | $20.2M |
| Retained earnings | $34.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.4M |
| 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 | — | — | — | 14.25% | — |
| Q4 2023 | 20.66% | 20.66% | 21.60% | 14.06% | $233.4M |
| Q1 2024 | — | — | — | 13.66% | — |
| Q2 2024 | — | — | — | 13.80% | — |
| Q3 2024 | — | — | — | 13.82% | — |
| Q4 2024 | 21.14% | 21.14% | 22.11% | 13.65% | $242.7M |
| Q1 2025 | — | — | — | 14.03% | — |
| Q2 2025 | — | — | — | 14.14% | — |
| Q3 2025 | — | — | — | 13.40% | — |
| Q4 2025 | 21.38% | 21.38% | 22.45% | 13.34% | $245.2M |
| Q1 2026 | — | — | — | 13.51% | — |
| Q2 2026 | — | — | — | 13.63% | — |
Southern Independent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58357) · FFIEC NIC profile (RSSD 3531176)