The Buckholts 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%.
Risk-weighted assets rose 3.8% from Q1 2026 to Q2 2026, ending at $86.3M against $83.1M. It was the largest change among the key lines on this page. The Buckholts State Bank ranks 33rd of 184 Texas banks on CET1 ratio, in the upper half at 28.11% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, The Buckholts State Bank reported 28.11% on CET1 ratio in Q2 2026, 13.04 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.11% |
| Tier 1 risk-based capital ratio | 28.11% |
| Total risk-based capital ratio | 28.92% |
| Tier 1 leverage ratio | 17.62% |
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 | $24.3M |
| Tier 1 capital | $24.3M |
| Total risk-based capital | $25.0M |
| Total equity capital | $24.3M |
| Risk-weighted assets | $86.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.48% |
| Tangible equity to tangible assets | 17.48% |
| Equity capital to average assets | 17.62% |
| Internal capital growth rate | 6.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $10.0M |
| Retained earnings | $13.3M |
| 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 | 24.20% | 24.20% | 25.11% | 15.83% | $76.8M |
| Q4 2023 | 25.16% | 25.16% | 26.07% | 16.59% | $76.8M |
| Q1 2024 | 25.18% | 25.18% | 26.09% | 16.86% | $77.2M |
| Q2 2024 | 25.85% | 25.85% | 26.76% | 16.90% | $76.9M |
| Q3 2024 | 26.86% | 26.86% | 27.77% | 17.05% | $76.4M |
| Q4 2024 | 26.97% | 26.97% | 27.86% | 17.21% | $78.6M |
| Q1 2025 | 27.39% | 27.39% | 28.28% | 17.18% | $78.3M |
| Q2 2025 | 27.91% | 27.91% | 28.79% | 17.24% | $78.8M |
| Q3 2025 | 28.22% | 28.22% | 29.08% | 17.44% | $80.7M |
| Q4 2025 | 29.32% | 29.32% | 30.18% | 16.88% | $81.0M |
| Q1 2026 | 28.70% | 28.70% | 29.55% | 17.35% | $83.1M |
| Q2 2026 | 28.11% | 28.11% | 28.92% | 17.62% | $86.3M |
The Buckholts State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Buckholts 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 The Buckholts State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11916) · FFIEC NIC profile (RSSD 53051)