Bank19: 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 Retained earnings: 30.9% higher than in Q1 2026, at $2.8M. Within Texas, Bank19 is 21st of 184 on CET1 ratio, 33.25% as of Q2 2026, above the middle of the field. Bank19's CET1 ratio of 33.25% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 18.18 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 33.25% |
| Tier 1 risk-based capital ratio | 33.25% |
| Total risk-based capital ratio | 33.97% |
| Tier 1 leverage ratio | 15.33% |
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 | $22.3M |
| Tier 1 capital | $22.3M |
| Total risk-based capital | $22.8M |
| Total equity capital | $25.7M |
| Risk-weighted assets | $67.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.41% |
| Tangible equity to tangible assets | 15.45% |
| Equity capital to average assets | 17.29% |
| Internal capital growth rate | 10.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $215K |
| Common stock surplus | $22.7M |
| Retained earnings | $2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 18.02% | 18.02% | 19.27% | 12.20% | $46.1M |
| Q4 2023 | 17.14% | 17.14% | 18.39% | 12.27% | $49.0M |
| Q1 2024 | 17.65% | 17.65% | 18.90% | 11.67% | $48.5M |
| Q2 2024 | 17.97% | 17.97% | 19.22% | 11.93% | $48.1M |
| Q3 2024 | 19.17% | 19.17% | 20.43% | 12.99% | $46.3M |
| Q4 2024 | 18.92% | 18.92% | 20.17% | 13.23% | $46.5M |
| Q1 2025 | 19.25% | 19.25% | 20.50% | 12.91% | $46.9M |
| Q2 2025 | 42.07% | 42.07% | 43.33% | 25.19% | $44.3M |
| Q3 2025 | 34.21% | 34.21% | 35.03% | 15.92% | $59.1M |
| Q4 2025 | 32.24% | 32.24% | 32.97% | 15.44% | $65.1M |
| Q1 2026 | 31.29% | 31.29% | 31.99% | 15.36% | $68.8M |
| Q2 2026 | 33.25% | 33.25% | 33.97% | 15.33% | $67.1M |
Bank19 regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank19, 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 Bank19 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3335) · FFIEC NIC profile (RSSD 373553)