Central 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.
Risk-weighted assets rose 5.4% from Q1 2026 to Q2 2026, ending at $1.05B against $995.1M. It was the largest change among the key lines on this page. Within Texas, Central Bank is 159th of 184 on CET1 ratio, 12.93% as of Q2 2026. Central Bank reported 12.93% on CET1 ratio for Q2 2026, 0.57 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.93% |
| Tier 1 risk-based capital ratio | 12.93% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 10.07% |
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 | $135.6M |
| Tier 1 capital | $135.6M |
| Total risk-based capital | $146.6M |
| Total equity capital | $128.3M |
| Risk-weighted assets | $1.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.06% |
| Tangible equity to tangible assets | 9.00% |
| Equity capital to average assets | 9.52% |
| Internal capital growth rate | 9.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $31.3M |
| Retained earnings | $102.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| 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 | 12.65% | 12.65% | 13.79% | 10.11% | $833.0M |
| Q4 2023 | 12.53% | 12.53% | 13.69% | 10.15% | $866.7M |
| Q1 2024 | 13.02% | 13.02% | 14.21% | 10.12% | $852.5M |
| Q2 2024 | 13.37% | 13.37% | 14.57% | 10.47% | $846.6M |
| Q3 2024 | 12.89% | 12.89% | 14.03% | 10.33% | $896.4M |
| Q4 2024 | 12.94% | 12.94% | 14.04% | 10.28% | $913.9M |
| Q1 2025 | 13.08% | 13.08% | 14.17% | 10.10% | $923.3M |
| Q2 2025 | 12.90% | 12.90% | 13.99% | 10.17% | $952.8M |
| Q3 2025 | 13.03% | 13.03% | 14.10% | 10.18% | $963.1M |
| Q4 2025 | 13.34% | 13.34% | 14.43% | 10.37% | $969.8M |
| Q1 2026 | 13.31% | 13.31% | 14.39% | 10.08% | $995.1M |
| Q2 2026 | 12.93% | 12.93% | 13.98% | 10.07% | $1.05B |
Central Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17612) · FFIEC NIC profile (RSSD 31255)