Central 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%.
Accumulated other comprehensive income fell 3.8% from Q1 2026 to Q2 2026, ending at -$10.4M against -$10.0M. It was the largest change among the key lines on this page. On CET1 ratio, Central National Bank is 19th from the bottom among 184 Texas banks, 12.55% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Central National Bank sits 0.93 points lower, at 12.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.80% |
| Tier 1 leverage ratio | 9.94% |
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 | $144.0M |
| Tier 1 capital | $144.0M |
| Total risk-based capital | $158.4M |
| Total equity capital | $133.7M |
| Risk-weighted assets | $1.15B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.07% |
| Tangible equity to tangible assets | 9.07% |
| Equity capital to average assets | 9.22% |
| Internal capital growth rate | 8.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $520K |
| Common stock surplus | $9.4M |
| Retained earnings | $134.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.4M |
| 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 | 12.45% | 12.45% | 13.70% | 10.00% | $945.4M |
| Q4 2023 | 12.77% | 12.77% | 14.02% | 9.98% | $935.4M |
| Q1 2024 | 12.89% | 12.89% | 14.14% | 10.05% | $938.7M |
| Q2 2024 | 13.18% | 13.18% | 14.43% | 10.19% | $932.0M |
| Q3 2024 | 13.24% | 13.24% | 14.49% | 9.98% | $946.4M |
| Q4 2024 | 13.05% | 13.05% | 14.31% | 9.89% | $980.1M |
| Q1 2025 | 13.07% | 13.07% | 14.32% | 10.31% | $997.8M |
| Q2 2025 | 12.70% | 12.70% | 13.95% | 10.24% | $1.05B |
| Q3 2025 | 12.67% | 12.67% | 13.92% | 10.06% | $1.07B |
| Q4 2025 | 12.52% | 12.52% | 13.77% | 9.92% | $1.11B |
| Q1 2026 | 12.31% | 12.31% | 13.56% | 9.76% | $1.15B |
| Q2 2026 | 12.55% | 12.55% | 13.80% | 9.94% | $1.15B |
Central National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22396) · FFIEC NIC profile (RSSD 428060)