Commerce Bank Texas: 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%.
In Q2 2026, Equity capital to average assets edged down by 0.18 percentage points, from 13.80% to 13.62%, the largest move among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.68% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.4M |
| Tier 1 capital | $7.4M |
| Total risk-based capital | — |
| Total equity capital | $8.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.64% |
| Tangible equity to tangible assets | 9.81% |
| Equity capital to average assets | 13.62% |
| Internal capital growth rate | -1.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $7.3M |
| Retained earnings | $2.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.46% | 10.30% | 6.53% |
| Q4 2023 | 11.57% | 10.82% | 7.25% |
| Q1 2024 | 11.18% | 10.92% | 7.26% |
| Q2 2024 | 11.47% | 11.05% | 7.45% |
| Q3 2024 | 11.40% | 11.80% | 8.27% |
| Q4 2024 | 11.64% | 12.17% | 8.34% |
| Q1 2025 | 12.91% | 13.24% | 9.25% |
| Q2 2025 | 13.00% | 12.81% | 9.10% |
| Q3 2025 | 12.58% | 13.28% | 9.58% |
| Q4 2025 | 12.68% | 13.75% | 9.98% |
| Q1 2026 | 12.82% | 13.74% | 9.91% |
| Q2 2026 | 12.68% | 13.64% | 9.81% |
Commerce Bank Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank Texas, 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 Commerce Bank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15346) · FFIEC NIC profile (RSSD 174367)