Commercial National Bank of Texarkana: 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, Total equity capital edged up by 2.1%, from $22.1M to $22.5M, the largest move among the key lines here. Within Texas, Commercial National Bank of Texarkana is 131st of 184 on CET1 ratio, 14.46% as of Q2 2026, below the middle of the field. Commercial National Bank of Texarkana reported 14.46% on CET1 ratio for Q2 2026, 0.61 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.46% |
| Tier 1 risk-based capital ratio | 14.46% |
| Total risk-based capital ratio | 15.63% |
| Tier 1 leverage ratio | 10.01% |
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 | $33.4M |
| Tier 1 capital | $33.4M |
| Total risk-based capital | $36.1M |
| Total equity capital | $22.5M |
| Risk-weighted assets | $230.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.83% |
| Tangible equity to tangible assets | 6.83% |
| Equity capital to average assets | 6.76% |
| Internal capital growth rate | 10.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $702K |
| Common stock surplus | $702K |
| Retained earnings | $32.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.8M |
| 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 | 13.62% | 13.62% | 14.79% | 9.27% | $206.8M |
| Q4 2023 | 13.45% | 13.45% | 14.62% | 9.25% | $209.0M |
| Q1 2024 | 13.81% | 13.81% | 15.00% | 9.46% | $208.7M |
| Q2 2024 | 14.13% | 14.13% | 15.34% | 9.45% | $206.4M |
| Q3 2024 | 14.59% | 14.59% | 15.79% | 9.66% | $205.1M |
| Q4 2024 | 14.39% | 14.39% | 15.54% | 9.34% | $206.2M |
| Q1 2025 | 14.76% | 14.76% | 15.89% | 9.85% | $206.8M |
| Q2 2025 | 14.52% | 14.52% | 15.68% | 9.80% | $213.8M |
| Q3 2025 | 14.91% | 14.91% | 16.05% | 10.00% | $215.6M |
| Q4 2025 | 13.88% | 13.88% | 14.97% | 9.64% | $228.5M |
| Q1 2026 | 14.38% | 14.38% | 15.52% | 10.02% | $228.1M |
| Q2 2026 | 14.46% | 14.46% | 15.63% | 10.01% | $230.7M |
Commercial National Bank of Texarkana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial National Bank of Texarkana, 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 National Bank of Texarkana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19024) · FFIEC NIC profile (RSSD 794149)