Anahuac National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.08% +1.08 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $27.6M | 27,581 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $273.7M | 273,679 | RCOAA224 |
| Recomputed ratio | 10.08% | numerator / denominator | |
| Filed ratio | 10.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.08 pp | $3.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 17,157 | 17,157 | 17,157 | 17,157 | 17,157 | 16,157 | RCOAP742 |
| Retained earnings | 10,424 | 9,799 | 9,205 | 9,150 | 8,578 | 7,950 | RCOAKW00 |
| Accumulated other comprehensive income | (17,082) | (17,881) | (16,484) | (17,629) | (22,737) | (21,797) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 10,499 | 9,075 | 9,878 | 8,678 | 2,998 | 2,310 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 17,082 | 17,881 | 16,484 | 17,629 | 22,737 | 21,797 | P859 - P840 |
| Common equity Tier 1 capital | 27,581 | 26,956 | 26,362 | 26,307 | 25,735 | 24,107 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 27,581 | 26,956 | 26,362 | 26,307 | 25,735 | 24,107 | RCOA8274 |
| Tier 2 capital | NA | 1,688 | 1,702 | 1,647 | 1,689 | 1,691 | |
| Allowance includable in Tier 2 capital | NA | 1,688 | 1,702 | 1,647 | 1,689 | 1,691 | |
| Total capital | NA | 28,644 | 28,064 | 27,954 | 27,424 | 25,798 | |
| Total risk-weighted assets | NA | 134,249 | 135,402 | 130,955 | 134,356 | 134,584 | |
| Average total assets for the leverage ratio | 273,679 | 295,381 | 257,671 | 253,778 | 274,743 | 278,486 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.08% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 20.08% | 20.08% | 21.34% | 9.13% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 19.47% | 19.47% | 20.73% | 10.23% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 20.09% | 20.09% | 21.35% | 10.37% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 19.15% | 19.15% | 20.41% | 9.37% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.91% | 17.91% | 19.17% | 8.66% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 18.63% | 18.63% | 19.89% | 10.27% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 24.55% | 24.55% | 25.81% | 13.64% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 24.12% | 24.12% | 25.37% | 13.23% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.90% | 23.90% | 25.15% | 11.40% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.95% | 23.95% | 25.20% | 13.18% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 24.17% | 24.17% | 25.43% | 12.61% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Anahuac National Bank (this bank) | CBLR | NA | NA | NA | 10.08% | |
| Security Trust & Savings Bank | $266.4M | Risk-based | 31.77% | 31.77% | 33.02% | 10.41% |
| Clackamas County Bank | $266.4M | Risk-based | 23.53% | 23.53% | 24.63% | 12.80% |
| Community Bank of the South | $266.5M | Risk-based | 21.73% | 21.73% | 22.72% | 9.49% |
| Community First Bank of the Heartland | $266.8M | Risk-based | 13.06% | 13.06% | 14.12% | 10.14% |
| Capital Bank and Trust Company | $266.1M | Risk-based | 202.30% | 202.30% | 202.30% | 79.26% |
| Wells River Savings Bank | $266.9M | Risk-based | 16.19% | 16.19% | 17.13% | 10.75% |
| Alliance Bank | $266.0M | CBLR | NA | NA | NA | 9.02% |
| First Bank of Manhattan | $265.9M | Risk-based | 19.26% | 19.26% | 20.51% | 10.16% |
| American Bank & Trust Company | $267.0M | CBLR | NA | NA | NA | 11.71% |
| Pillar Bank | $267.0M | CBLR | NA | NA | NA | 9.99% |
| Peer 25th percentile | 17.72% | 17.72% | 18.82% | 10.03% | ||
| Peer median | 21.73% | 21.73% | 22.72% | 10.28% | ||
| Peer 75th percentile | 27.65% | 27.65% | 28.83% | 11.47% | ||
| This bank's percentile | NA | NA | NA | 30 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/424352/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.