Bank of South 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%.
Compared with Q1 2026, Retained earnings rose 3.0% in Q2 2026 to $19.9M, the biggest move on this page.
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 | 16.63% |
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 | $28.2M |
| Tier 1 capital | $28.2M |
| Total risk-based capital | — |
| Total equity capital | $31.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.18% |
| Tangible equity to tangible assets | 16.52% |
| Equity capital to average assets | 18.31% |
| Internal capital growth rate | 7.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $922K |
| Common stock surplus | $10.9M |
| Retained earnings | $19.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $14K |
| 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 | 13.63% | 15.32% | 13.47% |
| Q4 2023 | 13.80% | 15.32% | 13.54% |
| Q1 2024 | 14.00% | 15.69% | 13.92% |
| Q2 2024 | 14.47% | 16.53% | 14.73% |
| Q3 2024 | 15.27% | 17.14% | 15.34% |
| Q4 2024 | 15.80% | 17.66% | 15.84% |
| Q1 2025 | 16.27% | 18.35% | 16.52% |
| Q2 2025 | 16.84% | 18.64% | 16.84% |
| Q3 2025 | 16.95% | 18.84% | 17.04% |
| Q4 2025 | 16.88% | 18.43% | 16.70% |
| Q1 2026 | 16.57% | 18.29% | 16.58% |
| Q2 2026 | 16.63% | 18.18% | 16.52% |
Bank of South Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of South 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 Bank of South Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26727) · FFIEC NIC profile (RSSD 49858)