West Central Georgia 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 standout move of Q3 2026 was in Accumulated other comprehensive income: 18.7% lower than in Q2 2026, at -$3.0M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.98% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $36.8M |
| Tier 1 capital | $36.8M |
| Total risk-based capital | — |
| Total equity capital | $33.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 20.57% |
| Tangible equity to tangible assets | 20.57% |
| Equity capital to average assets | 20.17% |
| Internal capital growth rate | 2.19% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $7.2M |
| Retained earnings | $28.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 |
|---|---|---|---|
| Q4 2023 | 26.92% | 23.88% | 23.88% |
| Q1 2024 | 26.81% | 23.55% | 23.55% |
| Q2 2024 | 26.62% | 23.64% | 23.64% |
| Q3 2024 | 24.50% | 22.35% | 22.35% |
| Q4 2024 | 23.98% | 21.42% | 21.42% |
| Q1 2025 | 23.66% | 20.80% | 20.80% |
| Q2 2025 | 23.08% | 20.70% | 20.70% |
| Q3 2025 | 22.87% | 21.09% | 21.09% |
| Q4 2025 | 22.83% | 21.47% | 21.47% |
| Q1 2026 | 22.33% | 20.84% | 20.84% |
| Q2 2026 | 22.22% | 21.23% | 21.23% |
| Q3 2026 | 21.98% | 20.57% | 20.57% |
West Central Georgia Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Central Georgia 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 West Central Georgia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21526) · FFIEC NIC profile (RSSD 280138)