The Trust 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%.
Retained earnings climbed 12.8% in Q2 2026, from $2.2M to $2.5M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, The Trust Bank ranks 7th highest among the 79 banks headquartered in Georgia, at 30.56% (Q2 2026). The Trust Bank's CET1 ratio of 30.56% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 10.99 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 30.56% |
| Tier 1 risk-based capital ratio | 30.56% |
| Total risk-based capital ratio | 31.81% |
| Tier 1 leverage ratio | 16.15% |
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 | $7.4M |
| Tier 1 capital | $7.4M |
| Total risk-based capital | $7.7M |
| Total equity capital | $7.4M |
| Risk-weighted assets | $24.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.84% |
| Tangible equity to tangible assets | 15.84% |
| Equity capital to average assets | 16.16% |
| Internal capital growth rate | 15.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $4.6M |
| Retained earnings | $2.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $1K |
| 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 | 34.09% | 34.09% | 35.35% | 13.55% | $18.6M |
| Q4 2023 | 33.74% | 33.74% | 35.00% | 12.79% | $17.7M |
| Q1 2024 | 36.17% | 36.17% | 37.42% | 14.27% | $17.6M |
| Q2 2024 | 36.00% | 36.00% | 37.26% | 15.79% | $18.5M |
| Q3 2024 | 35.53% | 35.53% | 36.78% | 16.49% | $19.4M |
| Q4 2024 | 32.02% | 32.02% | 33.27% | 15.06% | $20.3M |
| Q1 2025 | 30.51% | 30.51% | 31.76% | 14.23% | $21.9M |
| Q2 2025 | 32.00% | 32.00% | 33.25% | 15.95% | $22.0M |
| Q3 2025 | 32.39% | 32.39% | 33.64% | 15.65% | $22.2M |
| Q4 2025 | 34.53% | 34.53% | 35.78% | 15.67% | $20.3M |
| Q1 2026 | 32.53% | 32.53% | 33.78% | 15.86% | $22.0M |
| Q2 2026 | 30.56% | 30.56% | 31.81% | 16.15% | $24.3M |
The Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Trust 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 The Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13832) · FFIEC NIC profile (RSSD 894834)