Cypress Bank, SSB: 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%.
Equity capital to average assets fell 0.43 percentage points from Q1 2026 to Q2 2026, ending at 10.91% against 11.33%. It was the largest change among the key lines on this page. Cypress Bank, SSB ranks 55th of 184 Texas banks on CET1 ratio, in the upper half at 20.50% (Q2 2026). Cypress Bank, SSB reported 20.50% on CET1 ratio for Q2 2026, 5.43 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.50% |
| Tier 1 risk-based capital ratio | 20.50% |
| Total risk-based capital ratio | 21.49% |
| Tier 1 leverage ratio | 11.44% |
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 | $26.9M |
| Tier 1 capital | $26.9M |
| Total risk-based capital | $28.2M |
| Total equity capital | $25.7M |
| Risk-weighted assets | $131.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.90% |
| Tangible equity to tangible assets | 10.82% |
| Equity capital to average assets | 10.91% |
| Internal capital growth rate | -4.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $3.7M |
| Retained earnings | $22.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 17.71% | 17.71% | 18.78% | 11.06% | $140.3M |
| Q4 2023 | 17.68% | 17.68% | 18.74% | 11.11% | $143.0M |
| Q1 2024 | 18.38% | 18.38% | 19.48% | 11.30% | $139.4M |
| Q2 2024 | 17.89% | 17.89% | 18.98% | 11.26% | $141.9M |
| Q3 2024 | 18.18% | 18.18% | 19.19% | 11.18% | $141.7M |
| Q4 2024 | 18.44% | 18.44% | 19.45% | 11.23% | $141.6M |
| Q1 2025 | 19.32% | 19.32% | 20.32% | 11.56% | $136.7M |
| Q2 2025 | 19.59% | 19.59% | 20.62% | 11.34% | $133.4M |
| Q3 2025 | 20.09% | 20.09% | 21.10% | 11.42% | $131.6M |
| Q4 2025 | 20.45% | 20.45% | 21.45% | 11.64% | $131.3M |
| Q1 2026 | 20.87% | 20.87% | 21.89% | 11.88% | $130.3M |
| Q2 2026 | 20.50% | 20.50% | 21.49% | 11.44% | $131.2M |
Cypress Bank, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cypress Bank, SSB, 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 Cypress Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31905) · FFIEC NIC profile (RSSD 729178)