Commercial National Bank of Texarkana: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.63% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.63% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 14.46% +7.96 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $33.4M | 33,364 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $230.7M | 230,687 | RCOAA223 |
| Recomputed ratio | 14.46% | numerator / denominator | |
| Filed ratio | 14.46% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.96 pp | $18.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.46% +6.46 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $33.4M | 33,364 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $230.7M | 230,687 | RCOAA223 |
| Recomputed ratio | 14.46% | numerator / denominator | |
| Filed ratio | 14.46% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.46 pp | $14.9M | capital that could be lost first |
Total risk-based capital ratio 15.63% +5.63 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $36.1M | 36,058 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $230.7M | 230,687 | RCOAA223 |
| Recomputed ratio | 15.63% | numerator / denominator | |
| Filed ratio | 15.63% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.63 pp | $13.0M | capital that could be lost first |
Tier 1 leverage ratio 10.01% +5.01 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $33.4M | 33,364 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $333.4M | 333,449 | RCOAA224 |
| Recomputed ratio | 10.01% | numerator / denominator | |
| Filed ratio | 10.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.01 pp | $16.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,404 | 1,404 | 1,404 | 1,404 | 1,404 | 1,404 | RCOAP742 |
| Retained earnings | 31,960 | 31,398 | 30,300 | 30,738 | 29,625 | 29,128 | RCOAKW00 |
| Accumulated other comprehensive income | (10,827) | (10,737) | (10,779) | (10,675) | (12,908) | (12,612) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,537 | 22,065 | 20,925 | 21,467 | 18,121 | 17,920 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,827 | 10,737 | 10,779 | 10,675 | 12,908 | 12,612 | P859 - P840 |
| Common equity Tier 1 capital | 33,364 | 32,802 | 31,704 | 32,142 | 31,029 | 30,532 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 33,364 | 32,802 | 31,704 | 32,142 | 31,029 | 30,532 | RCOA8274 |
| Tier 2 capital | 2,694 | 2,602 | 2,506 | 2,462 | 2,490 | 2,326 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,694 | 2,602 | 2,506 | 2,462 | 2,490 | 2,326 | RCOA5310 |
| Total capital | 36,058 | 35,404 | 34,210 | 34,604 | 33,519 | 32,858 | RCOA3792 |
| Total risk-weighted assets | 230,687 | 228,052 | 228,473 | 215,632 | 213,754 | 206,792 | RCOAA223 |
| Average total assets for the leverage ratio | 333,449 | 327,208 | 328,724 | 321,377 | 316,528 | 309,978 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $7.3M | $704K | 9.60% | 0.31% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $75.7M | $12.9M | 17.04% | 5.59% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $97.8M | $51.8M | 52.93% | 22.45% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $5.1M | $5.1M | 100.00% | 2.20% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $147.8M | $143.1M | 96.84% | 62.05% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.4M | $8.7M | 92.05% | 3.76% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $8.6M | $8.4M | 98.32% | 3.65% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $230.7M | ties to item 31 ($230.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $230.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $230.7M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 14.46% | 14.46% | 15.63% | 10.01% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.38% | 14.38% | 15.52% | 10.02% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.88% | 13.88% | 14.97% | 9.64% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.91% | 14.91% | 16.05% | 10.00% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.52% | 14.52% | 15.68% | 9.80% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.76% | 14.76% | 15.89% | 9.85% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.39% | 14.39% | 15.54% | 9.34% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.59% | 14.59% | 15.79% | 9.66% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.13% | 14.13% | 15.34% | 9.45% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.81% | 13.81% | 15.00% | 9.46% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.45% | 13.45% | 14.62% | 9.25% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.62% | 13.62% | 14.79% | 9.27% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Commercial National Bank of Texarkana (this bank) | Risk-based | 14.46% | 14.46% | 15.63% | 10.01% | |
| High Plains Bank | $330.2M | CBLR | NA | NA | NA | 10.76% |
| Viking Bank, N.A. | $330.3M | CBLR | NA | NA | NA | 9.19% |
| The Colorado Bank and Trust Company of La Junta | $330.3M | CBLR | NA | NA | NA | 10.33% |
| New Carlisle Federal Savings Bank | $330.5M | Risk-based | 10.05% | 10.05% | 10.79% | 8.42% |
| Texana Bank, N.A. | $330.6M | CBLR | NA | NA | NA | 9.06% |
| The Farmers State Bank | $329.6M | CBLR | NA | NA | NA | 10.86% |
| Patterson State Bank | $330.7M | Risk-based | 17.03% | 17.03% | 18.28% | 8.92% |
| Northern State Bank | $330.8M | Risk-based | 17.11% | 17.11% | 18.08% | 9.92% |
| Stifel Trust Company Delaware, N.A. | $329.5M | Risk-based | 49.75% | 49.75% | 49.75% | 11.44% |
| Peer 25th percentile | 15.28% | 15.28% | 16.26% | 9.06% | ||
| Peer median | 17.07% | 17.07% | 18.18% | 9.92% | ||
| Peer 75th percentile | 25.27% | 25.27% | 26.15% | 10.76% | ||
| This bank's percentile | 25 | 25 | 25 | 56 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/794149/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.