Community National Bank & Trust of 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.7% to $133.1M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.62% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $175.0M |
| Tier 1 capital | $175.0M |
| Total risk-based capital | — |
| Total equity capital | $196.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.66% |
| Tangible equity to tangible assets | 9.88% |
| Equity capital to average assets | 11.67% |
| Internal capital growth rate | 15.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $846K |
| Common stock surplus | $74.2M |
| Retained earnings | $133.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.1M |
| 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 | 15.19% | 15.19% | 16.34% | 11.71% | $949.1M |
| Q4 2023 | 14.73% | 14.73% | 15.83% | 11.87% | $1.01B |
| Q1 2024 | 15.11% | 15.11% | 16.28% | 11.89% | $971.9M |
| Q2 2024 | 15.21% | 15.21% | 16.39% | 11.82% | $992.5M |
| Q3 2024 | 15.41% | 15.41% | 16.59% | 12.02% | $1.01B |
| Q4 2024 | 15.76% | 15.76% | 16.94% | 12.26% | $1.02B |
| Q1 2025 | 15.82% | 15.82% | 17.04% | 12.45% | $1.00B |
| Q2 2025 | 12.43% | 12.43% | 13.34% | 10.16% | $1.28B |
| Q3 2025 | 12.86% | 12.86% | 13.81% | 10.36% | $1.27B |
| Q4 2025 | 12.83% | 12.83% | 14.08% | 10.25% | $1.30B |
| Q1 2026 | 12.89% | 12.89% | 14.13% | 10.44% | $1.30B |
| Q2 2026 | — | — | — | 10.62% | — |
Community National Bank & Trust of Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank & Trust of 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 National Bank & Trust of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18185) · FFIEC NIC profile (RSSD 738769)