The City National Bank of Sulphur Springs: 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 climbed 8.2% in Q2 2026, from -$13.2M to -$12.1M. It was the largest change from Q1 2026 among the key lines here. Within Texas, The City National Bank of Sulphur Springs is 142nd of 184 on CET1 ratio, 13.75% 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; The City National Bank of Sulphur Springs reported 13.75% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.75% |
| Tier 1 risk-based capital ratio | 13.75% |
| Total risk-based capital ratio | 15.00% |
| Tier 1 leverage ratio | 9.78% |
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 | $133.9M |
| Tier 1 capital | $133.9M |
| Total risk-based capital | $146.1M |
| Total equity capital | $132.7M |
| Risk-weighted assets | $973.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.65% |
| Tangible equity to tangible assets | 8.93% |
| Equity capital to average assets | 9.61% |
| Internal capital growth rate | 0.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $48.1M |
| Retained earnings | $95.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.1M |
| 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 | 13.08% | 13.08% | 14.33% | 9.11% | $879.1M |
| Q4 2023 | 13.12% | 13.12% | 14.38% | 9.21% | $883.8M |
| Q1 2024 | 13.60% | 13.60% | 14.85% | 9.54% | $892.3M |
| Q2 2024 | 14.16% | 14.16% | 15.41% | 9.59% | $864.2M |
| Q3 2024 | 13.61% | 13.61% | 14.87% | 9.42% | $892.9M |
| Q4 2024 | 13.63% | 13.63% | 14.88% | 9.34% | $893.9M |
| Q1 2025 | 14.02% | 14.02% | 15.28% | 9.65% | $900.3M |
| Q2 2025 | 14.32% | 14.32% | 15.58% | 9.68% | $894.3M |
| Q3 2025 | 14.36% | 14.36% | 15.62% | 9.87% | $916.3M |
| Q4 2025 | 14.32% | 14.32% | 15.57% | 9.86% | $931.1M |
| Q1 2026 | 14.09% | 14.09% | 15.34% | 9.86% | $948.0M |
| Q2 2026 | 13.75% | 13.75% | 15.00% | 9.78% | $973.8M |
The City National Bank of Sulphur Springs regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of Sulphur Springs, 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 The City National Bank of Sulphur Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5544) · FFIEC NIC profile (RSSD 596062)