Austin Bank, Texas N.A.: 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 15.12% +6.12 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 | $496.2M | 496,154 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.28B | 3,282,350 | RCOAA224 |
| Recomputed ratio | 15.12% | numerator / denominator | |
| Filed ratio | 15.12% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.12 pp | $200.7M | 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 | 39,022 | 39,022 | 39,022 | 39,022 | 39,022 | 39,022 | RCOAP742 |
| Retained earnings | 470,545 | 457,382 | 442,482 | 428,861 | 412,817 | 401,937 | RCOAKW00 |
| Accumulated other comprehensive income | (5,188) | (3,459) | (2,055) | (2,953) | (4,781) | (6,070) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 504,379 | 492,945 | 479,449 | 464,930 | 447,058 | 434,889 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (8,225) | (9,964) | (11,377) | (10,490) | (8,678) | (6,725) | P859 - P840 |
| Common equity Tier 1 capital | 496,154 | 482,981 | 468,072 | 454,440 | 438,380 | 428,164 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 496,154 | 482,981 | 468,072 | 454,440 | 438,380 | 428,164 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 3,282,350 | 3,212,785 | 3,221,088 | 3,165,457 | 3,108,455 | 2,994,131 | 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 | 15.12% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 15.03% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 14.53% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 14.36% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 14.10% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 14.30% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 14.31% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 14.37% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 14.06% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 14.06% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 13.82% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 13.49% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Austin Bank, Texas N.A. (this bank) | CBLR | NA | NA | NA | 15.12% | |
| TruNorth Bank | $3.32B | Risk-based | 15.98% | 15.98% | 16.59% | 11.46% |
| Libertyville Bank & Trust Company, N.A. | $3.34B | Risk-based | 10.88% | 10.88% | 11.81% | 9.19% |
| Red River Bank | $3.31B | Risk-based | 17.32% | 17.32% | 18.37% | 12.49% |
| Lake Ridge Bank | $3.35B | Risk-based | 11.97% | 11.97% | 13.02% | 9.95% |
| BankFirst Financial Services | $3.31B | CBLR | NA | NA | NA | 10.86% |
| Banterra Bank | $3.36B | Risk-based | 9.85% | 9.85% | 10.73% | 9.41% |
| ACNB Bank | $3.30B | Risk-based | 14.30% | 14.30% | 15.28% | 11.25% |
| Union Savings Bank | $3.30B | CBLR | NA | NA | NA | 11.48% |
| Fidelity Bank, N.A. | $3.30B | Risk-based | 10.97% | 10.97% | 12.16% | 9.99% |
| OakStar Bank | $3.29B | CBLR | NA | NA | NA | 9.79% |
| Peer 25th percentile | 10.92% | 10.92% | 11.98% | 9.83% | ||
| Peer median | 11.97% | 11.97% | 13.02% | 10.43% | ||
| Peer 75th percentile | 15.14% | 15.14% | 15.93% | 11.41% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/548351/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.