Community Bank & Trust, Waco, 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%.
Common equity tier 1 ratio climbed 1.58 percentage points in Q2 2026, from 24.39% to 25.98%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Community Bank & Trust, Waco, Texas is 40th of 184 on CET1 ratio, 25.98% as of Q2 2026, above the middle of the field. Community Bank & Trust, Waco, Texas's CET1 ratio of 25.98% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 10.90 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.98% |
| Tier 1 risk-based capital ratio | 25.98% |
| Total risk-based capital ratio | 27.23% |
| Tier 1 leverage ratio | 15.45% |
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 | $105.4M |
| Tier 1 capital | $105.4M |
| Total risk-based capital | $110.5M |
| Total equity capital | $84.0M |
| Risk-weighted assets | $405.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.94% |
| Tangible equity to tangible assets | 12.94% |
| Equity capital to average assets | 12.31% |
| Internal capital growth rate | 8.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $29.0M |
| Retained earnings | $75.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.4M |
| 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 | 22.75% | 22.75% | 24.00% | 14.42% | $405.8M |
| Q4 2023 | 22.49% | 22.49% | 23.74% | 14.01% | $412.0M |
| Q1 2024 | 22.64% | 22.64% | 23.90% | 14.32% | $413.9M |
| Q2 2024 | 22.44% | 22.44% | 23.69% | 14.51% | $422.7M |
| Q3 2024 | 22.88% | 22.88% | 24.13% | 14.60% | $420.3M |
| Q4 2024 | 22.55% | 22.55% | 23.62% | 14.30% | $427.3M |
| Q1 2025 | 23.83% | 23.83% | 25.08% | 14.62% | $409.9M |
| Q2 2025 | 23.42% | 23.42% | 24.68% | 14.82% | $423.6M |
| Q3 2025 | 24.37% | 24.37% | 25.62% | 15.32% | $413.5M |
| Q4 2025 | 24.33% | 24.33% | 25.58% | 15.52% | $418.4M |
| Q1 2026 | 24.39% | 24.39% | 25.65% | 15.44% | $425.3M |
| Q2 2026 | 25.98% | 25.98% | 27.23% | 15.45% | $405.8M |
Community Bank & Trust, Waco, Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank & Trust, Waco, 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 Community Bank & Trust, Waco, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17108) · FFIEC NIC profile (RSSD 549862)