The Big Bend Banks, N.A. dba Marfa National 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%.
Accumulated other comprehensive income dropped 175.8% in Q3 2026, from -$2.3M to -$6.4M. It was the largest change from Q2 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.58% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $27.2M |
| Tier 1 capital | $27.2M |
| Total risk-based capital | — |
| Total equity capital | $20.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 12.84% |
| Tangible equity to tangible assets | 12.84% |
| Equity capital to average assets | 12.67% |
| Internal capital growth rate | 10.48% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $4.6M |
| Retained earnings | $22.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 38.28% | 38.28% | 39.48% | 14.16% | $56.4M |
| Q1 2024 | 38.16% | 38.16% | 39.39% | 13.53% | $55.0M |
| Q2 2024 | 38.37% | 38.37% | 39.57% | 14.30% | $56.6M |
| Q3 2024 | 40.00% | 40.00% | 41.20% | 14.58% | $55.9M |
| Q4 2024 | — | — | — | 14.53% | — |
| Q1 2025 | — | — | — | 15.13% | — |
| Q2 2025 | 28.48% | 28.48% | 29.27% | 15.12% | $84.4M |
| Q3 2025 | — | — | — | 15.24% | — |
| Q4 2025 | — | — | — | 15.26% | — |
| Q1 2026 | — | — | — | 15.25% | — |
| Q2 2026 | — | — | — | 16.23% | — |
| Q3 2026 | — | — | — | 16.58% | — |
The Big Bend Banks, N.A. dba Marfa National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Big Bend Banks, N.A. dba Marfa National 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 The Big Bend Banks, N.A. dba Marfa National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3320) · FFIEC NIC profile (RSSD 362856)