Colonial Savings, F.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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Equity capital to average assets: 3.39 percentage points higher than in Q1 2026, at 46.04%. Colonial Savings, F.A. has the highest CET1 ratio of the 184 banks headquartered in Texas, 174.54% as of Q2 2026. Colonial Savings, F.A.'s CET1 ratio of 174.54% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 159.45 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 174.54% |
| Tier 1 risk-based capital ratio | 174.54% |
| Total risk-based capital ratio | 175.73% |
| Tier 1 leverage ratio | 46.07% |
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 | $238.2M |
| Tier 1 capital | $238.2M |
| Total risk-based capital | $239.9M |
| Total equity capital | $237.9M |
| Risk-weighted assets | $136.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 47.41% |
| Tangible equity to tangible assets | 47.41% |
| Equity capital to average assets | 46.04% |
| Internal capital growth rate | -4.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $27.8M |
| Retained earnings | $208.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $9K |
| 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 | 14.00% | 14.00% | 15.59% | 8.70% | $586.0M |
| Q4 2023 | 15.03% | 15.03% | 16.60% | 9.62% | $597.0M |
| Q1 2024 | 16.33% | 16.33% | 17.82% | 10.09% | $589.1M |
| Q2 2024 | 18.09% | 18.09% | 19.57% | 10.72% | $573.5M |
| Q3 2024 | 19.71% | 19.71% | 21.13% | 11.75% | $560.8M |
| Q4 2024 | 20.73% | 20.73% | 22.17% | 12.90% | $564.6M |
| Q1 2025 | 22.30% | 22.30% | 23.74% | 13.91% | $554.5M |
| Q2 2025 | 23.93% | 23.93% | 25.40% | 14.56% | $546.9M |
| Q3 2025 | 62.44% | 62.44% | 62.63% | 23.73% | $405.1M |
| Q4 2025 | 189.47% | 189.47% | 190.37% | 28.25% | $129.3M |
| Q1 2026 | 174.41% | 174.41% | 175.40% | 42.68% | $138.1M |
| Q2 2026 | 174.54% | 174.54% | 175.73% | 46.07% | $136.5M |
Colonial Savings, F.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Colonial Savings, F.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 Colonial Savings, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31361) · FFIEC NIC profile (RSSD 339072)