City 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 Common stock surplus: 51.6% higher than in Q1 2026, at $344.3M. Within Texas, City Bank is 148th of 184 on CET1 ratio, 13.39% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; City Bank reported 13.39% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.39% |
| Tier 1 risk-based capital ratio | 13.39% |
| Total risk-based capital ratio | 14.50% |
| Tier 1 leverage ratio | 10.79% |
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 | $571.7M |
| Tier 1 capital | $571.7M |
| Total risk-based capital | $619.1M |
| Total equity capital | $598.9M |
| Risk-weighted assets | $4.27B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.11% |
| Tangible equity to tangible assets | 9.91% |
| Equity capital to average assets | 11.15% |
| Internal capital growth rate | 8.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $344.3M |
| Retained earnings | $298.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$45.0M |
| 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 | 12.87% | 12.87% | 14.10% | 10.65% | $3.56B |
| Q4 2023 | 12.80% | 12.80% | 14.04% | 10.60% | $3.52B |
| Q1 2024 | 13.00% | 13.00% | 14.23% | 10.72% | $3.52B |
| Q2 2024 | 12.86% | 12.86% | 14.09% | 10.96% | $3.61B |
| Q3 2024 | 13.36% | 13.36% | 14.61% | 10.81% | $3.50B |
| Q4 2024 | 13.48% | 13.48% | 14.73% | 10.96% | $3.54B |
| Q1 2025 | 13.49% | 13.49% | 14.74% | 10.93% | $3.54B |
| Q2 2025 | 13.57% | 13.57% | 14.82% | 10.88% | $3.56B |
| Q3 2025 | 13.86% | 13.86% | 15.11% | 10.94% | $3.53B |
| Q4 2025 | 13.66% | 13.66% | 14.91% | 10.90% | $3.61B |
| Q1 2026 | 13.79% | 13.79% | 15.04% | 10.90% | $3.60B |
| Q2 2026 | 13.39% | 13.39% | 14.50% | 10.79% | $4.27B |
City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25103) · FFIEC NIC profile (RSSD 575254)