Bank of 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.1% to $42.3M. Within Texas, Bank of Texas is 120th of 184 on CET1 ratio, 15.09% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Bank of Texas reported 15.09% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.09% |
| Tier 1 risk-based capital ratio | 15.09% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 13.01% |
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 | $69.9M |
| Tier 1 capital | $69.9M |
| Total risk-based capital | $75.7M |
| Total equity capital | $70.2M |
| Risk-weighted assets | $463.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.91% |
| Tangible equity to tangible assets | 12.87% |
| Equity capital to average assets | 13.05% |
| Internal capital growth rate | 12.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $27.7M |
| Retained earnings | $42.3M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.87% | 12.87% | 13.97% | 12.37% | $534.0M |
| Q4 2023 | 12.67% | 12.67% | 13.73% | 12.89% | $548.9M |
| Q1 2024 | 12.93% | 12.93% | 14.01% | 13.45% | $543.9M |
| Q2 2024 | 13.97% | 13.97% | 15.13% | 13.16% | $506.7M |
| Q3 2024 | 10.40% | 10.40% | 11.52% | 10.01% | $522.1M |
| Q4 2024 | 10.49% | 10.49% | 11.56% | 10.94% | $547.6M |
| Q1 2025 | 11.56% | 11.56% | 12.67% | 11.31% | $519.6M |
| Q2 2025 | 12.95% | 12.95% | 14.13% | 11.63% | $485.3M |
| Q3 2025 | 14.12% | 14.12% | 15.35% | 12.48% | $467.2M |
| Q4 2025 | 14.29% | 14.29% | 15.50% | 12.59% | $479.2M |
| Q1 2026 | 14.19% | 14.19% | 15.39% | 13.04% | $478.4M |
| Q2 2026 | 15.09% | 15.09% | 16.33% | 13.01% | $463.6M |
Bank of Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18576) · FFIEC NIC profile (RSSD 925653)