Columbus 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%.
Total risk-based capital ratio climbed 11.05 percentage points in Q2 2026, from 50.97% to 62.01%. It was the largest change from Q1 2026 among the key lines here. Among 184 Texas banks, Columbus State Bank sits 9th from the top on CET1 ratio, 61.75% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, Columbus State Bank reported 61.75% on CET1 ratio in Q2 2026, 46.68 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 61.75% |
| Tier 1 risk-based capital ratio | 61.75% |
| Total risk-based capital ratio | 62.01% |
| Tier 1 leverage ratio | 14.47% |
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 | $47.5M |
| Tier 1 capital | $47.5M |
| Total risk-based capital | $47.7M |
| Total equity capital | $44.6M |
| Risk-weighted assets | $77.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.66% |
| Tangible equity to tangible assets | 13.66% |
| Equity capital to average assets | 13.57% |
| Internal capital growth rate | 8.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $34.2M |
| Retained earnings | $12.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 24.60% | 24.60% | 24.75% | 13.67% | $63.1M |
| Q4 2023 | 24.19% | 24.19% | 24.28% | 12.50% | $65.4M |
| Q1 2024 | 25.36% | 25.36% | 25.45% | 12.30% | $63.9M |
| Q2 2024 | 32.00% | 32.00% | 32.13% | 11.08% | $52.2M |
| Q3 2024 | 33.80% | 33.80% | 33.93% | 11.07% | $51.5M |
| Q4 2024 | 38.07% | 38.07% | 38.21% | 12.26% | $46.5M |
| Q1 2025 | 44.73% | 44.73% | 44.92% | 16.21% | $106.0M |
| Q2 2025 | 49.37% | 49.37% | 49.57% | 16.42% | $97.6M |
| Q3 2025 | 49.54% | 49.54% | 49.75% | 16.58% | $98.5M |
| Q4 2025 | 50.56% | 50.56% | 50.78% | 14.51% | $91.0M |
| Q1 2026 | 50.75% | 50.75% | 50.97% | 14.44% | $92.0M |
| Q2 2026 | 61.75% | 61.75% | 62.01% | 14.47% | $77.0M |
Columbus State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbus 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 Columbus State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12305) · FFIEC NIC profile (RSSD 891253)