The Brady 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%.
Total risk-based capital ratio rose 1.15 percentage points from Q1 2026 to Q2 2026, ending at 20.83% against 19.68%. It was the largest change among the key lines on this page. Within Texas, The Brady National Bank is 68th of 184 on CET1 ratio, 19.57% as of Q2 2026, above the middle of the field. The Brady National Bank reported 19.57% on CET1 ratio for Q2 2026, 4.50 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.57% |
| Tier 1 risk-based capital ratio | 19.57% |
| Total risk-based capital ratio | 20.83% |
| Tier 1 leverage ratio | 10.00% |
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 | $16.3M |
| Tier 1 capital | $16.3M |
| Total risk-based capital | $17.3M |
| Total equity capital | $13.6M |
| Risk-weighted assets | $83.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.12% |
| Tangible equity to tangible assets | 8.12% |
| Equity capital to average assets | 8.35% |
| Internal capital growth rate | 5.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $500K |
| Retained earnings | $15.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 17.36% | 17.36% | 18.61% | 9.86% | $83.8M |
| Q4 2023 | 17.25% | 17.25% | 18.50% | 9.56% | $84.9M |
| Q1 2024 | 17.25% | 17.25% | 18.51% | 9.51% | $85.9M |
| Q2 2024 | 18.07% | 18.07% | 19.33% | 10.11% | $82.1M |
| Q3 2024 | 17.54% | 17.54% | 18.80% | 10.26% | $85.3M |
| Q4 2024 | 16.89% | 16.89% | 18.14% | 10.23% | $89.9M |
| Q1 2025 | 17.49% | 17.49% | 18.74% | 9.79% | $87.8M |
| Q2 2025 | 18.04% | 18.04% | 19.30% | 10.39% | $85.9M |
| Q3 2025 | 18.44% | 18.44% | 19.69% | 10.34% | $85.1M |
| Q4 2025 | 18.30% | 18.30% | 19.56% | 10.00% | $86.8M |
| Q1 2026 | 18.42% | 18.42% | 19.68% | 9.78% | $87.4M |
| Q2 2026 | 19.57% | 19.57% | 20.83% | 10.00% | $83.3M |
The Brady National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Brady 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 Brady National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3109) · FFIEC NIC profile (RSSD 101952)