Bridge City State 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 standout move of Q2 2026 was in Equity capital to total assets: 1.11 percentage points higher than in Q1 2026, at 8.74%. Bridge City State Bank ranks 60th of 184 Texas banks on CET1 ratio, in the upper half at 20.16% (Q2 2026). Bridge City State Bank reported 20.16% on CET1 ratio for Q2 2026, 5.09 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 | 20.16% |
| Tier 1 risk-based capital ratio | 20.16% |
| Total risk-based capital ratio | 21.03% |
| Tier 1 leverage ratio | 11.71% |
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 | $31.1M |
| Tier 1 capital | $31.1M |
| Total risk-based capital | $32.4M |
| Total equity capital | $21.6M |
| Risk-weighted assets | $154.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.74% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.12% |
| Internal capital growth rate | 8.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $5.0M |
| Retained earnings | $25.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.5M |
| 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 | 22.80% | 22.80% | 23.74% | 11.94% | $116.4M |
| Q4 2023 | 22.77% | 22.77% | 23.67% | 11.94% | $118.7M |
| Q1 2024 | 22.91% | 22.91% | 23.86% | 11.76% | $119.8M |
| Q2 2024 | 23.79% | 23.79% | 24.76% | 11.80% | $117.0M |
| Q3 2024 | 22.51% | 22.51% | 23.37% | 12.42% | $125.2M |
| Q4 2024 | 20.08% | 20.08% | 20.95% | 11.63% | $141.3M |
| Q1 2025 | 20.01% | 20.01% | 20.86% | 11.59% | $143.6M |
| Q2 2025 | 20.05% | 20.05% | 20.88% | 11.68% | $145.7M |
| Q3 2025 | 19.64% | 19.64% | 20.43% | 11.21% | $151.6M |
| Q4 2025 | 19.58% | 19.58% | 20.45% | 11.06% | $154.3M |
| Q1 2026 | 20.34% | 20.34% | 21.24% | 11.23% | $150.6M |
| Q2 2026 | 20.16% | 20.16% | 21.03% | 11.71% | $154.3M |
Bridge City State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bridge City State 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 Bridge City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18155) · FFIEC NIC profile (RSSD 43959)