The Cowboy Bank of Texas: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 17.51% +8.51 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $18.9M | 18,908 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $108.0M | 108,006 | RCOAA224 |
| Recomputed ratio | 17.51% | numerator / denominator | |
| Filed ratio | 17.51% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.51 pp | $9.2M | 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 | 1,800 | 1,800 | 1,800 | 1,800 | 1,800 | 1,800 | RCOAP742 |
| Retained earnings | 17,108 | 16,598 | 16,886 | 16,471 | 15,875 | 15,434 | RCOAKW00 |
| Accumulated other comprehensive income | (309) | (272) | (163) | (228) | (327) | (637) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,599 | 18,126 | 18,523 | 18,043 | 17,348 | 16,597 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 309 | 272 | 163 | 228 | 327 | 637 | P859 - P840 |
| Common equity Tier 1 capital | 18,908 | 18,398 | 18,686 | 18,271 | 17,675 | 17,234 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 18,908 | 18,398 | 18,686 | 18,271 | 17,675 | 17,234 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 108,006 | 110,142 | 109,513 | 108,264 | 108,452 | 108,817 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 17.51% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 16.70% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 17.06% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 16.88% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 16.30% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 15.84% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.00% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.61% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 16.13% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 15.46% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.42% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 14.96% | 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 |
|---|---|---|---|---|---|---|
| The Cowboy Bank of Texas (this bank) | CBLR | NA | NA | NA | 17.51% | |
| Warsaw Federal Savings and Loan Association | $108.5M | Risk-based | 15.24% | 18.68% | 19.50% | 12.10% |
| Home Savings Bank | $108.8M | CBLR | NA | NA | NA | 15.73% |
| Citizens National Bank | $108.8M | CBLR | NA | NA | NA | 12.82% |
| First Naturalstate Bank | $108.8M | Risk-based | 24.36% | 24.36% | 25.62% | 15.55% |
| The First State Bank of Healy | $108.8M | CBLR | NA | NA | NA | 16.77% |
| Bank of Bozeman | $108.4M | Risk-based | 12.55% | 12.55% | 13.80% | 10.20% |
| Maynard Savings Bank | $108.4M | CBLR | NA | NA | NA | 15.08% |
| Anderson State Bank | $108.9M | CBLR | NA | NA | NA | 17.31% |
| First Bank and Trust of Fullerton | $108.3M | CBLR | NA | NA | NA | 14.20% |
| White State Bank | $109.0M | CBLR | NA | NA | NA | 11.16% |
| Peer 25th percentile | 13.89% | 15.61% | 16.65% | 12.28% | ||
| Peer median | 15.24% | 18.68% | 19.50% | 14.64% | ||
| Peer 75th percentile | 19.80% | 21.52% | 22.56% | 15.69% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/370954/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.