Commercial Bank of Texas, 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 9.2% lower than in Q1 2026, at -$13.1M. Commercial Bank of Texas, N.A. ranks 114th of 184 Texas banks on CET1 ratio, in the lower half at 15.44% (Q2 2026). Commercial Bank of Texas, N.A. reported 15.44% on CET1 ratio for Q2 2026, 1.96 points above the 13.48% median for banks in the $1B-10B asset tier.
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 | 16.69% |
| Tier 1 leverage ratio | 10.60% |
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 | $181.2M |
| Tier 1 capital | $181.2M |
| Total risk-based capital | $195.9M |
| Total equity capital | $171.6M |
| Risk-weighted assets | $1.17B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.18% |
| Tangible equity to tangible assets | 9.99% |
| Equity capital to average assets | 10.02% |
| Internal capital growth rate | 15.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $33.1M |
| Retained earnings | $150.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.1M |
| 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 | 14.42% | 14.42% | 15.68% | 9.56% | $887.7M |
| Q4 2023 | 14.50% | 14.50% | 15.75% | 9.75% | $910.9M |
| Q1 2024 | 14.73% | 14.73% | 15.99% | 9.76% | $922.0M |
| Q2 2024 | 14.71% | 14.71% | 15.96% | 9.72% | $954.3M |
| Q3 2024 | 15.06% | 15.06% | 16.31% | 9.94% | $964.6M |
| Q4 2024 | 14.71% | 14.71% | 15.97% | 9.75% | $994.4M |
| Q1 2025 | 14.66% | 14.66% | 15.91% | 10.05% | $1.03B |
| Q2 2025 | 15.11% | 15.11% | 16.36% | 10.06% | $1.04B |
| Q3 2025 | 15.47% | 15.47% | 16.72% | 9.99% | $1.05B |
| Q4 2025 | 15.36% | 15.36% | 16.61% | 10.22% | $1.10B |
| Q1 2026 | 15.36% | 15.36% | 16.61% | 10.39% | $1.14B |
| Q2 2026 | 15.44% | 15.44% | 16.69% | 10.60% | $1.17B |
Commercial Bank of Texas, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of Texas, 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 Commercial Bank of Texas, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1209) · FFIEC NIC profile (RSSD 885869)