Dallas Capital Bank, National Association: 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 11.35% +2.35 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 | $132.1M | 132,069 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.16B | 1,163,632 | RCOAA224 |
| Recomputed ratio | 11.35% | numerator / denominator | |
| Filed ratio | 11.35% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.35 pp | $27.3M | 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 | 83,889 | 83,551 | 83,236 | 82,919 | 82,626 | 82,346 | RCOAP742 |
| Retained earnings | 60,403 | 57,404 | 57,581 | 54,331 | 51,767 | 49,374 | RCOAKW00 |
| Accumulated other comprehensive income | (2,033) | (2,006) | (2,142) | (2,325) | (2,735) | (2,795) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 142,259 | 138,949 | 138,675 | 134,925 | 131,658 | 128,925 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (10,190) | (10,260) | (10,200) | (10,080) | (9,739) | (9,750) | P859 - P840 |
| Common equity Tier 1 capital | 132,069 | 128,689 | 128,475 | 124,845 | 121,919 | 119,175 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 132,069 | 128,689 | 128,475 | 124,845 | 121,919 | 119,175 | 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 | 1,163,632 | 1,118,073 | 1,167,529 | 1,212,738 | 1,173,998 | 1,114,370 | 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 | 11.35% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 11.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 11.00% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 10.29% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 10.38% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 10.69% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 10.21% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 10.58% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 10.71% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 11.57% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 11.08% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 10.26% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Dallas Capital Bank, National Association (this bank) | CBLR | NA | NA | NA | 11.35% | |
| Dime Bank | $1.21B | Risk-based | 15.18% | 15.18% | 16.14% | 11.76% |
| Pacific Coast Bankers' Bank | $1.21B | Risk-based | 22.98% | 22.98% | 23.91% | 11.35% |
| Provident Savings Bank, F.S.B. | $1.21B | Risk-based | 19.41% | 19.41% | 20.34% | 10.30% |
| The First National Bank of Hutchinson | $1.21B | Risk-based | 15.17% | 15.17% | 16.42% | 11.49% |
| Southwest Missouri Bank | $1.21B | Risk-based | 15.30% | 15.30% | 16.39% | 8.73% |
| Citizens Bank & Trust | $1.20B | Risk-based | 14.67% | 14.67% | 15.64% | 8.93% |
| BankFirst | $1.21B | Risk-based | 17.87% | 17.87% | 18.94% | 15.31% |
| West Michigan Community Bank | $1.21B | CBLR | NA | NA | NA | 9.22% |
| Bank of the Orient | $1.21B | CBLR | NA | NA | NA | 11.65% |
| Solvay Bank | $1.20B | CBLR | NA | NA | NA | 9.53% |
| Peer 25th percentile | 15.17% | 15.17% | 16.27% | 9.29% | ||
| Peer median | 15.30% | 15.30% | 16.42% | 10.82% | ||
| Peer 75th percentile | 18.64% | 18.64% | 19.64% | 11.61% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/384652/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.