Community National Bank: 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%.
Accumulated other comprehensive income dropped 7.6% in Q2 2026, from -$6.9M to -$7.4M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Community National Bank is 89th of 184 on CET1 ratio, 17.14% as of Q2 2026, above the middle of the field. Community National Bank reported 17.14% on CET1 ratio for Q2 2026, 3.66 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 | 17.14% |
| Tier 1 risk-based capital ratio | 17.14% |
| Total risk-based capital ratio | 18.39% |
| Tier 1 leverage ratio | 12.68% |
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 | $322.4M |
| Tier 1 capital | $322.4M |
| Total risk-based capital | $345.9M |
| Total equity capital | $328.3M |
| Risk-weighted assets | $1.88B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.92% |
| Tangible equity to tangible assets | 12.39% |
| Equity capital to average assets | 12.85% |
| Internal capital growth rate | 11.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $68.5M |
| Retained earnings | $265.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.4M |
| 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 | 13.17% | 13.17% | 14.43% | 11.21% | $1.68B |
| Q4 2023 | 12.96% | 12.96% | 14.21% | 11.40% | $1.78B |
| Q1 2024 | 13.30% | 13.30% | 14.55% | 11.44% | $1.81B |
| Q2 2024 | 13.71% | 13.71% | 14.96% | 11.86% | $1.83B |
| Q3 2024 | 13.42% | 13.42% | 14.67% | 11.43% | $1.88B |
| Q4 2024 | 13.54% | 13.54% | 14.79% | 11.45% | $1.94B |
| Q1 2025 | 14.01% | 14.01% | 15.22% | 11.54% | $1.95B |
| Q2 2025 | 14.55% | 14.55% | 15.80% | 11.69% | $1.95B |
| Q3 2025 | 14.83% | 14.83% | 16.08% | 12.63% | $1.98B |
| Q4 2025 | 15.83% | 15.83% | 17.08% | 12.08% | $1.92B |
| Q1 2026 | 16.44% | 16.44% | 17.69% | 12.29% | $1.90B |
| Q2 2026 | 17.14% | 17.14% | 18.39% | 12.68% | $1.88B |
Community National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24897) · FFIEC NIC profile (RSSD 293053)