American 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%.
Retained earnings rose 7.5% from Q1 2026 to Q2 2026, ending at -$7.3M against -$7.9M. It was the largest change among the key lines on this page. American State Bank ranks 134th of 184 Texas banks on CET1 ratio, in the lower half at 14.41% (Q2 2026). American State Bank reported 14.41% on CET1 ratio for Q2 2026, 0.66 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.41% |
| Tier 1 risk-based capital ratio | 14.41% |
| Total risk-based capital ratio | 15.59% |
| Tier 1 leverage ratio | 10.91% |
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 | $69.4M |
| Tier 1 capital | $69.4M |
| Total risk-based capital | $75.1M |
| Total equity capital | $77.0M |
| Risk-weighted assets | $482.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.07% |
| Tangible equity to tangible assets | 11.39% |
| Equity capital to average assets | 11.94% |
| Internal capital growth rate | 3.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $84.6M |
| Retained earnings | -$7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$763K |
| 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 | 9.08% | 9.08% | 10.33% | 7.52% | $819.6M |
| Q4 2023 | 9.42% | 9.42% | 10.61% | 7.77% | $791.2M |
| Q1 2024 | 9.74% | 9.74% | 10.99% | 7.64% | $749.0M |
| Q2 2024 | 10.00% | 10.00% | 11.25% | 7.70% | $719.8M |
| Q3 2024 | 9.80% | 9.80% | 11.05% | 7.82% | $728.2M |
| Q4 2024 | 12.83% | 12.83% | 14.09% | 8.83% | $549.2M |
| Q1 2025 | 12.91% | 12.91% | 14.16% | 10.28% | $541.1M |
| Q2 2025 | 13.82% | 13.82% | 15.07% | 10.54% | $509.7M |
| Q3 2025 | 13.74% | 13.74% | 14.99% | 10.62% | $510.6M |
| Q4 2025 | 13.79% | 13.79% | 15.04% | 10.36% | $501.6M |
| Q1 2026 | 14.11% | 14.11% | 15.35% | 10.38% | $487.9M |
| Q2 2026 | 14.41% | 14.41% | 15.59% | 10.91% | $482.0M |
American State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American 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 American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9967) · FFIEC NIC profile (RSSD 262358)