Talbot State 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 risk-based capital ratio fell 0.88 percentage points from Q1 2026 to Q2 2026, ending at 17.61% against 18.49%. It was the largest change among the key lines on this page. Talbot State Bank ranks 43rd of 79 Georgia banks on CET1 ratio, in the lower half at 16.79% (Q2 2026). Talbot State Bank reported 16.79% on CET1 ratio for Q2 2026, 3.17 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.79% |
| Tier 1 risk-based capital ratio | 16.79% |
| Total risk-based capital ratio | 17.61% |
| Tier 1 leverage ratio | 7.78% |
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 | $4.1M |
| Tier 1 capital | $4.1M |
| Total risk-based capital | $4.3M |
| Total equity capital | $2.3M |
| Risk-weighted assets | $24.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.47% |
| Tangible equity to tangible assets | 4.47% |
| Equity capital to average assets | 4.42% |
| Internal capital growth rate | -12.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $2.3M |
| Retained earnings | -$3.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 23.95% | 23.95% | 24.77% | 10.45% | $24.4M |
| Q4 2023 | 22.62% | 22.62% | 23.41% | 10.30% | $25.0M |
| Q1 2024 | 22.35% | 22.35% | 23.15% | 9.70% | $24.5M |
| Q2 2024 | 21.91% | 21.91% | 22.72% | 9.33% | $24.3M |
| Q3 2024 | 21.80% | 21.80% | 22.64% | 9.36% | $23.6M |
| Q4 2024 | 21.12% | 21.12% | 21.96% | 9.80% | $23.5M |
| Q1 2025 | 19.89% | 19.89% | 20.71% | 9.10% | $24.1M |
| Q2 2025 | 19.15% | 19.15% | 19.98% | 8.82% | $23.9M |
| Q3 2025 | 18.52% | 18.52% | 19.35% | 8.59% | $23.9M |
| Q4 2025 | 17.98% | 17.98% | 18.80% | 8.38% | $23.8M |
| Q1 2026 | 17.65% | 17.65% | 18.49% | 7.93% | $23.4M |
| Q2 2026 | 16.79% | 16.79% | 17.61% | 7.78% | $24.2M |
Talbot State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Talbot State 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 Talbot State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 178) · FFIEC NIC profile (RSSD 577230)