Coleman County State 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%.
Compared with Q1 2026, Retained earnings rose 4.8% in Q2 2026 to $14.9M, the biggest move on this page. Within Texas, Coleman County State Bank is 161st of 184 on CET1 ratio, 12.90% 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. Coleman County State Bank sits 2.17 points lower, at 12.90% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.90% |
| Tier 1 risk-based capital ratio | 12.90% |
| Total risk-based capital ratio | 13.89% |
| Tier 1 leverage ratio | 8.56% |
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 | $24.7M |
| Tier 1 capital | $24.7M |
| Total risk-based capital | $26.5M |
| Total equity capital | $26.2M |
| Risk-weighted assets | $191.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.87% |
| Tangible equity to tangible assets | 8.17% |
| Equity capital to average assets | 9.02% |
| Internal capital growth rate | 10.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $375K |
| Common stock surplus | $11.6M |
| Retained earnings | $14.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$736K |
| 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 | 14.84% | 14.84% | 15.79% | 9.76% | $127.1M |
| Q4 2023 | 14.31% | 14.31% | 15.26% | 9.70% | $132.2M |
| Q1 2024 | 14.23% | 14.23% | 15.20% | 9.59% | $134.1M |
| Q2 2024 | 13.74% | 13.74% | 14.72% | 9.43% | $141.1M |
| Q3 2024 | 13.26% | 13.26% | 14.26% | 9.28% | $148.1M |
| Q4 2024 | 13.52% | 13.52% | 14.56% | 9.45% | $148.0M |
| Q1 2025 | 13.74% | 13.74% | 14.80% | 9.51% | $147.1M |
| Q2 2025 | 11.62% | 11.62% | 12.59% | 8.86% | $169.3M |
| Q3 2025 | 12.95% | 12.95% | 13.91% | 9.13% | $177.3M |
| Q4 2025 | 12.97% | 12.97% | 13.98% | 8.24% | $178.3M |
| Q1 2026 | 12.58% | 12.58% | 13.53% | 8.42% | $190.0M |
| Q2 2026 | 12.90% | 12.90% | 13.89% | 8.56% | $191.0M |
Coleman County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Coleman County State 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 Coleman County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15480) · FFIEC NIC profile (RSSD 761954)