Austin Capital Bank SSB: 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%.
The standout move of Q2 2026 was in Equity capital to average assets: 0.94 percentage points higher than in Q1 2026, at 10.51%. Among 184 Texas banks, Austin Capital Bank SSB sits 16th from the top on CET1 ratio, 39.04% as of Q2 2026. Austin Capital Bank SSB's CET1 ratio of 39.04% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 23.97 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 39.04% |
| Tier 1 risk-based capital ratio | 39.04% |
| Total risk-based capital ratio | 40.29% |
| Tier 1 leverage ratio | 10.22% |
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 | $42.0M |
| Tier 1 capital | $42.0M |
| Total risk-based capital | $43.3M |
| Total equity capital | $43.3M |
| Risk-weighted assets | $107.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
| Equity capital to average assets | 10.51% |
| Internal capital growth rate | 8.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $30.2M |
| Retained earnings | $10.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $419K |
| 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 | 60.82% | 60.82% | 62.08% | 11.65% | $53.6M |
| Q4 2023 | 55.74% | 55.74% | 56.99% | 11.07% | $56.0M |
| Q1 2024 | 46.41% | 46.41% | 47.66% | 10.69% | $66.8M |
| Q2 2024 | 39.77% | 39.77% | 41.02% | 10.10% | $83.3M |
| Q3 2024 | 37.47% | 37.47% | 38.73% | 9.35% | $94.8M |
| Q4 2024 | 31.95% | 31.95% | 33.21% | 8.23% | $110.6M |
| Q1 2025 | 31.41% | 31.41% | 32.66% | 8.04% | $114.3M |
| Q2 2025 | 32.61% | 32.61% | 33.86% | 7.76% | $113.8M |
| Q3 2025 | 36.55% | 36.55% | 37.80% | 7.75% | $104.4M |
| Q4 2025 | 36.49% | 36.49% | 37.74% | 8.62% | $111.0M |
| Q1 2026 | 38.37% | 38.37% | 39.62% | 9.27% | $107.1M |
| Q2 2026 | 39.04% | 39.04% | 40.29% | 10.22% | $107.5M |
Austin Capital Bank SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin Capital Bank SSB, 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 Austin Capital Bank SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58082) · FFIEC NIC profile (RSSD 3347911)