City 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.45 percentage points to 12.88%. Within Texas, City National Bank is 48th of 184 on CET1 ratio, 23.09% as of Q2 2026, above the middle of the field. City National Bank reported 23.09% on CET1 ratio for Q2 2026, 3.52 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.09% |
| Tier 1 risk-based capital ratio | 23.09% |
| Total risk-based capital ratio | 24.34% |
| Tier 1 leverage ratio | 13.54% |
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 | $8.5M |
| Tier 1 capital | $8.5M |
| Total risk-based capital | $9.0M |
| Total equity capital | $8.1M |
| Risk-weighted assets | $36.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.03% |
| Tangible equity to tangible assets | 13.03% |
| Equity capital to average assets | 12.88% |
| Internal capital growth rate | 1.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $2.2M |
| Retained earnings | $5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$416K |
| 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 | 18.94% | 18.94% | 20.19% | 11.01% | $38.8M |
| Q4 2023 | 18.49% | 18.49% | 19.74% | 10.81% | $39.5M |
| Q1 2024 | 18.94% | 18.94% | 20.19% | 11.20% | $38.6M |
| Q2 2024 | 19.14% | 19.14% | 20.39% | 11.51% | $38.3M |
| Q3 2024 | 19.36% | 19.36% | 20.61% | 10.82% | $38.0M |
| Q4 2024 | 19.27% | 19.27% | 20.53% | 10.92% | $38.6M |
| Q1 2025 | 20.30% | 20.30% | 21.55% | 11.84% | $36.9M |
| Q2 2025 | 21.89% | 21.89% | 23.15% | 12.01% | $34.6M |
| Q3 2025 | 21.45% | 21.45% | 22.71% | 12.06% | $35.9M |
| Q4 2025 | 23.89% | 23.89% | 25.14% | 13.85% | $37.2M |
| Q1 2026 | 23.15% | 23.15% | 24.40% | 12.99% | $36.5M |
| Q2 2026 | 23.09% | 23.09% | 24.34% | 13.54% | $36.8M |
City National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24367) · FFIEC NIC profile (RSSD 697950)