Capital 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Retained earnings edged up by 2.5%, from $57.8M to $59.2M, the largest move among the key lines here. Capital Bank ranks 154th of 184 Texas banks on CET1 ratio, in the lower half at 13.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Capital Bank sits 1.95 points lower, at 13.14% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.14% |
| Tier 1 risk-based capital ratio | 13.14% |
| Total risk-based capital ratio | 14.36% |
| Tier 1 leverage ratio | 10.81% |
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 | $75.2M |
| Tier 1 capital | $75.2M |
| Total risk-based capital | $82.2M |
| Total equity capital | $72.2M |
| Risk-weighted assets | $572.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.47% |
| Tangible equity to tangible assets | 10.47% |
| Equity capital to average assets | 10.38% |
| Internal capital growth rate | 8.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $14.6M |
| Retained earnings | $59.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 12.72% | 12.72% | 13.87% | 10.38% | $474.3M |
| Q4 2023 | 12.52% | 12.52% | 13.67% | 10.31% | $484.7M |
| Q1 2024 | 12.52% | 12.52% | 13.71% | 10.36% | $495.6M |
| Q2 2024 | 12.31% | 12.31% | 13.49% | 10.12% | $505.5M |
| Q3 2024 | 12.62% | 12.62% | 13.77% | 10.37% | $507.7M |
| Q4 2024 | 12.43% | 12.43% | 13.54% | 10.25% | $522.7M |
| Q1 2025 | 12.83% | 12.83% | 14.03% | 10.34% | $520.3M |
| Q2 2025 | 12.41% | 12.41% | 13.59% | 10.21% | $543.2M |
| Q3 2025 | 12.75% | 12.75% | 13.92% | 10.40% | $548.7M |
| Q4 2025 | 12.79% | 12.79% | 13.94% | 10.41% | $556.4M |
| Q1 2026 | 13.02% | 13.02% | 14.26% | 10.80% | $566.6M |
| Q2 2026 | 13.14% | 13.14% | 14.36% | 10.81% | $572.4M |
Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19401) · FFIEC NIC profile (RSSD 596156)