Classic Bank, N.A.: 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%.
Compared with Q1 2026, Risk-weighted assets rose 5.2% in Q2 2026 to $501.3M, the biggest move on this page. Within Texas, Classic Bank, N.A. is 113th of 184 on CET1 ratio, 15.44% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Classic Bank, N.A. reported 15.44% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.44% |
| Tier 1 risk-based capital ratio | 15.44% |
| Total risk-based capital ratio | 16.70% |
| Tier 1 leverage ratio | 11.58% |
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 | $77.4M |
| Tier 1 capital | $77.4M |
| Total risk-based capital | $83.7M |
| Total equity capital | $73.7M |
| Risk-weighted assets | $501.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.20% |
| Tangible equity to tangible assets | 11.20% |
| Equity capital to average assets | 11.02% |
| Internal capital growth rate | 2.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $10.7M |
| Retained earnings | $66.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 11.32% | 11.32% | 12.57% | 8.77% | $526.2M |
| Q4 2023 | 11.35% | 11.35% | 12.58% | 8.76% | $542.6M |
| Q1 2024 | 11.77% | 11.77% | 13.02% | 8.77% | $536.0M |
| Q2 2024 | 12.23% | 12.23% | 13.49% | 9.08% | $522.8M |
| Q3 2024 | 12.80% | 12.80% | 14.05% | 9.37% | $517.8M |
| Q4 2024 | 12.79% | 12.79% | 14.04% | 9.57% | $531.6M |
| Q1 2025 | 13.10% | 13.10% | 14.35% | 9.66% | $535.9M |
| Q2 2025 | 14.38% | 14.38% | 15.64% | 10.29% | $502.6M |
| Q3 2025 | 15.22% | 15.22% | 16.47% | 10.99% | $483.9M |
| Q4 2025 | 15.51% | 15.51% | 16.77% | 11.48% | $485.4M |
| Q1 2026 | 16.14% | 16.14% | 17.39% | 11.54% | $476.6M |
| Q2 2026 | 15.44% | 15.44% | 16.70% | 11.58% | $501.3M |
Classic Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Classic Bank, N.A., 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 Classic Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3126) · FFIEC NIC profile (RSSD 182951)