The Brenham 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 4.3% to -$10.3M. The Brenham National Bank ranks 90th of 184 Texas banks on CET1 ratio, in the upper half at 17.11% (Q2 2026). The Brenham National Bank reported 17.11% on CET1 ratio for Q2 2026, 2.04 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 | 17.11% |
| Tier 1 risk-based capital ratio | 17.11% |
| Total risk-based capital ratio | 18.10% |
| Tier 1 leverage ratio | 11.76% |
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 | $60.3M |
| Tier 1 capital | $60.3M |
| Total risk-based capital | $63.7M |
| Total equity capital | $50.1M |
| Risk-weighted assets | $352.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.67% |
| Tangible equity to tangible assets | 9.65% |
| Equity capital to average assets | 9.76% |
| Internal capital growth rate | 11.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $4.9M |
| Retained earnings | $54.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.3M |
| 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 | 18.22% | 18.22% | 19.23% | 10.31% | $277.3M |
| Q4 2023 | 17.78% | 17.78% | 18.75% | 10.37% | $289.4M |
| Q1 2024 | 17.87% | 17.87% | 18.86% | 10.41% | $288.7M |
| Q2 2024 | 17.43% | 17.43% | 18.39% | 10.55% | $300.1M |
| Q3 2024 | 17.59% | 17.59% | 18.56% | 10.72% | $301.9M |
| Q4 2024 | 17.38% | 17.38% | 18.34% | 10.70% | $313.6M |
| Q1 2025 | 17.57% | 17.57% | 18.63% | 11.17% | $315.1M |
| Q2 2025 | 17.34% | 17.34% | 18.08% | 11.36% | $322.8M |
| Q3 2025 | 17.63% | 17.63% | 18.43% | 11.51% | $323.4M |
| Q4 2025 | 17.79% | 17.79% | 18.73% | 11.17% | $327.0M |
| Q1 2026 | 16.98% | 16.98% | 17.92% | 11.45% | $347.1M |
| Q2 2026 | 17.11% | 17.11% | 18.10% | 11.76% | $352.2M |
The Brenham National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Brenham 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 Brenham National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3113) · FFIEC NIC profile (RSSD 227357)