Alliance Bank Central Texas: 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%.
Accumulated other comprehensive income climbed 32.7% in Q2 2026, from -$7.1M to -$4.8M. It was the largest change from Q1 2026 among the key lines here.
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 | 11.76% |
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 | $153.5M |
| Tier 1 capital | $153.5M |
| Total risk-based capital | — |
| Total equity capital | $150.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.40% |
| Tangible equity to tangible assets | 11.26% |
| Equity capital to average assets | 11.54% |
| Internal capital growth rate | 5.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $113.1M |
| Retained earnings | $42.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | 14.16% | 14.16% | 15.24% | 13.00% | $781.5M |
| Q4 2023 | 14.08% | 14.08% | 15.17% | 12.62% | $797.5M |
| Q1 2024 | 14.00% | 14.00% | 15.10% | 12.31% | $814.0M |
| Q2 2024 | 13.91% | 13.91% | 14.99% | 12.43% | $831.9M |
| Q3 2024 | 13.92% | 13.92% | 14.99% | 12.25% | $839.5M |
| Q4 2024 | 14.22% | 14.22% | 15.29% | 12.15% | $832.4M |
| Q1 2025 | 14.19% | 14.19% | 15.24% | 12.22% | $845.3M |
| Q2 2025 | 13.94% | 13.94% | 15.01% | 12.05% | $872.2M |
| Q3 2025 | 14.21% | 14.21% | 15.30% | 12.00% | $870.2M |
| Q4 2025 | 16.39% | 16.39% | 17.44% | 13.41% | $909.1M |
| Q1 2026 | 16.30% | 16.30% | 17.33% | 11.94% | $928.5M |
| Q2 2026 | — | — | — | 11.76% | — |
Alliance Bank Central Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank Central Texas, 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 Alliance Bank Central Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15657) · FFIEC NIC profile (RSSD 601658)