Benchmark Bank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Common stock surplus: 62.1% higher than in Q1 2026, at $48.0M. Benchmark Bank has the 10th lowest CET1 ratio of the 184 banks headquartered in Texas, at 11.89% as of Q2 2026. Benchmark Bank reported 11.89% on CET1 ratio for Q2 2026, 1.60 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.89% |
| Tier 1 risk-based capital ratio | 11.89% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 8.47% |
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 | $138.4M |
| Tier 1 capital | $138.4M |
| Total risk-based capital | $152.6M |
| Total equity capital | $138.4M |
| Risk-weighted assets | $1.16B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.39% |
| Tangible equity to tangible assets | 8.39% |
| Equity capital to average assets | 8.47% |
| Internal capital growth rate | 10.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $48.0M |
| Retained earnings | $90.1M |
| 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 | 14.76% | 14.76% | 15.89% | 9.83% | $723.8M |
| Q4 2023 | 14.46% | 14.46% | 15.71% | 9.61% | $746.4M |
| Q1 2024 | 13.21% | 13.21% | 14.41% | 9.96% | $832.8M |
| Q2 2024 | 12.93% | 12.93% | 14.15% | 9.76% | $847.8M |
| Q3 2024 | 13.02% | 13.02% | 14.12% | 9.71% | $863.5M |
| Q4 2024 | 13.55% | 13.55% | 14.78% | 9.21% | $837.1M |
| Q1 2025 | 12.54% | 12.54% | 13.59% | 9.58% | $923.0M |
| Q2 2025 | 12.62% | 12.62% | 13.73% | 9.23% | $920.1M |
| Q3 2025 | 11.22% | 11.22% | 12.24% | 8.81% | $1.05B |
| Q4 2025 | 10.76% | 10.76% | 11.80% | 7.67% | $1.09B |
| Q1 2026 | 10.52% | 10.52% | 11.67% | 7.42% | $1.11B |
| Q2 2026 | 11.89% | 11.89% | 13.11% | 8.47% | $1.16B |
Benchmark Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Benchmark Bank, 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 Benchmark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19215) · FFIEC NIC profile (RSSD 980960)