American Bank N.A.: 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.40 percentage points in Q2 2026 to 10.61%, the biggest move on this page. American Bank N.A. ranks 126th of 184 Texas banks on CET1 ratio, in the lower half at 14.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. American Bank N.A. sits 0.48 points lower, at 14.59% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.59% |
| Tier 1 risk-based capital ratio | 14.59% |
| Total risk-based capital ratio | 15.84% |
| Tier 1 leverage ratio | 10.86% |
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 | $67.5M |
| Tier 1 capital | $67.5M |
| Total risk-based capital | $73.2M |
| Total equity capital | $65.9M |
| Risk-weighted assets | $462.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.54% |
| Tangible equity to tangible assets | 10.54% |
| Equity capital to average assets | 10.61% |
| Internal capital growth rate | 6.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $6.1M |
| Retained earnings | $59.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 13.02% | 13.02% | 14.19% | 9.34% | $448.0M |
| Q4 2023 | 12.78% | 12.78% | 13.96% | 8.93% | $449.8M |
| Q1 2024 | 13.31% | 13.31% | 14.53% | 9.64% | $440.3M |
| Q2 2024 | 13.30% | 13.30% | 14.52% | 9.88% | $444.3M |
| Q3 2024 | 13.66% | 13.66% | 14.90% | 10.11% | $440.5M |
| Q4 2024 | 13.42% | 13.42% | 14.65% | 9.93% | $445.5M |
| Q1 2025 | 14.06% | 14.06% | 15.31% | 10.33% | $436.2M |
| Q2 2025 | 14.14% | 14.14% | 15.39% | 10.30% | $439.6M |
| Q3 2025 | 14.21% | 14.21% | 15.46% | 10.37% | $449.7M |
| Q4 2025 | 14.17% | 14.17% | 15.42% | 10.05% | $450.6M |
| Q1 2026 | 14.55% | 14.55% | 15.80% | 10.45% | $456.5M |
| Q2 2026 | 14.59% | 14.59% | 15.84% | 10.86% | $462.3M |
American Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank N.A., 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 American Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23886) · FFIEC NIC profile (RSSD 307361)