The Bank of San Jacinto County, Coldspring, Texas: 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%.
Equity capital to total assets climbed 1.22 percentage points in Q2 2026, from 14.58% to 15.80%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.77% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.7M |
| Tier 1 capital | $7.7M |
| Total risk-based capital | — |
| Total equity capital | $6.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.80% |
| Tangible equity to tangible assets | 15.80% |
| Equity capital to average assets | 15.27% |
| Internal capital growth rate | 11.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $1.4M |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.53% | 9.84% | 9.84% |
| Q4 2023 | 15.52% | 12.31% | 12.31% |
| Q1 2024 | 14.74% | 10.84% | 10.84% |
| Q2 2024 | 15.11% | 11.05% | 11.05% |
| Q3 2024 | 15.45% | 13.10% | 13.10% |
| Q4 2024 | 15.68% | 12.24% | 12.24% |
| Q1 2025 | 15.65% | 12.43% | 12.43% |
| Q2 2025 | 16.18% | 13.53% | 13.53% |
| Q3 2025 | 17.15% | 15.07% | 15.07% |
| Q4 2025 | 17.46% | 15.25% | 15.25% |
| Q1 2026 | 17.20% | 14.58% | 14.58% |
| Q2 2026 | 17.77% | 15.80% | 15.80% |
The Bank of San Jacinto County, Coldspring, Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of San Jacinto County, Coldspring, Texas, 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 of San Jacinto County, Coldspring, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18942) · FFIEC NIC profile (RSSD 678052)