Brazos 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%.
Tangible equity to tangible assets climbed 8.92 percentage points in Q2 2026, from 48.64% to 57.56%. It was the largest change from Q1 2026 among the key lines here. Among 184 Texas banks, Brazos National Bank sits 4th from the top on CET1 ratio, 99.13% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, Brazos National Bank reported 99.13% on CET1 ratio in Q2 2026, 79.56 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 99.13% |
| Tier 1 risk-based capital ratio | 99.13% |
| Total risk-based capital ratio | 99.49% |
| Tier 1 leverage ratio | 56.08% |
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 | $15.2M |
| Tier 1 capital | $15.2M |
| Total risk-based capital | $15.3M |
| Total equity capital | $16.4M |
| Risk-weighted assets | $15.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 59.42% |
| Tangible equity to tangible assets | 57.56% |
| Equity capital to average assets | 57.96% |
| Internal capital growth rate | 3.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $2.9M |
| Retained earnings | $12.8M |
| 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 | 86.61% | 86.61% | 87.76% | 50.27% | $16.0M |
| Q4 2023 | 78.45% | 78.45% | 79.70% | 51.05% | $17.7M |
| Q1 2024 | 78.08% | 78.08% | 79.32% | 49.57% | $17.8M |
| Q2 2024 | 76.40% | 76.40% | 77.65% | 47.45% | $18.3M |
| Q3 2024 | 81.76% | 81.76% | 83.01% | 46.89% | $17.4M |
| Q4 2024 | 85.75% | 85.75% | 86.99% | 49.23% | $16.7M |
| Q1 2025 | 85.28% | 85.28% | 86.53% | 54.39% | $16.9M |
| Q2 2025 | 77.92% | 77.92% | 79.17% | 48.89% | $18.6M |
| Q3 2025 | 83.71% | 83.71% | 84.29% | 48.10% | $17.6M |
| Q4 2025 | 87.09% | 87.09% | 87.59% | 49.57% | $17.2M |
| Q1 2026 | — | — | — | 50.84% | — |
| Q2 2026 | 99.13% | 99.13% | 99.49% | 56.08% | $15.3M |
Brazos National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Brazos 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 Brazos National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24038) · FFIEC NIC profile (RSSD 863362)