The Bank and Trust, 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 biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 2.4% between Q1 2026 and Q2 2026, to $341.3M. Within Texas, The Bank and Trust, SSB is 88th of 184 on CET1 ratio, 17.15% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Bank and Trust, SSB sits 2.08 points higher, at 17.15% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.15% |
| Tier 1 risk-based capital ratio | 17.15% |
| Total risk-based capital ratio | 18.40% |
| Tier 1 leverage ratio | 9.96% |
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 | $58.5M |
| Tier 1 capital | $58.5M |
| Total risk-based capital | $62.8M |
| Total equity capital | $50.2M |
| Risk-weighted assets | $341.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.59% |
| Tangible equity to tangible assets | 8.20% |
| Equity capital to average assets | 8.50% |
| Internal capital growth rate | 5.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $20.9M |
| Retained earnings | $37.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.9M |
| 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 | 17.55% | 17.55% | 18.80% | 9.52% | $298.7M |
| Q4 2023 | 17.31% | 17.31% | 18.56% | 9.52% | $306.2M |
| Q1 2024 | 17.66% | 17.66% | 18.91% | 9.82% | $303.0M |
| Q2 2024 | 17.63% | 17.63% | 18.88% | 9.86% | $306.6M |
| Q3 2024 | 17.12% | 17.12% | 18.37% | 10.18% | $318.4M |
| Q4 2024 | 17.89% | 17.89% | 19.14% | 9.74% | $307.1M |
| Q1 2025 | 18.06% | 18.06% | 19.32% | 9.86% | $306.5M |
| Q2 2025 | 17.93% | 17.93% | 19.19% | 9.85% | $312.4M |
| Q3 2025 | 17.83% | 17.83% | 19.08% | 9.79% | $316.8M |
| Q4 2025 | 17.70% | 17.70% | 18.95% | 9.61% | $323.3M |
| Q1 2026 | 17.34% | 17.34% | 18.59% | 9.95% | $333.4M |
| Q2 2026 | 17.15% | 17.15% | 18.40% | 9.96% | $341.3M |
The Bank and Trust, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank and Trust, 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 The Bank and Trust, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1184) · FFIEC NIC profile (RSSD 623454)