The Donley County State 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%.
Total risk-based capital ratio dropped 1.97 percentage points in Q2 2026, from 71.55% to 69.58%. It was the largest change from Q1 2026 among the key lines here. Among 184 Texas banks, The Donley County State Bank sits 7th from the top on CET1 ratio, 68.33% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, The Donley County State Bank reported 68.33% on CET1 ratio in Q2 2026, 48.77 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 68.33% |
| Tier 1 risk-based capital ratio | 68.33% |
| Total risk-based capital ratio | 69.58% |
| Tier 1 leverage ratio | 20.86% |
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 | $10.2M |
| Tier 1 capital | $10.2M |
| Total risk-based capital | $10.4M |
| Total equity capital | $10.2M |
| Risk-weighted assets | $15.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.59% |
| Tangible equity to tangible assets | 20.59% |
| Equity capital to average assets | 20.86% |
| Internal capital growth rate | 3.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.0M |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 56.46% | 56.46% | 57.71% | 18.12% | $14.9M |
| Q4 2023 | 54.92% | 54.92% | 56.17% | 17.27% | $15.4M |
| Q1 2024 | 55.63% | 55.63% | 56.88% | 18.07% | $15.4M |
| Q2 2024 | 54.42% | 54.42% | 55.67% | 18.92% | $16.0M |
| Q3 2024 | 54.75% | 54.75% | 56.00% | 18.76% | $16.2M |
| Q4 2024 | 53.81% | 53.81% | 55.06% | 17.87% | $16.5M |
| Q1 2025 | 55.37% | 55.37% | 56.62% | 18.15% | $16.3M |
| Q2 2025 | 57.38% | 57.38% | 58.62% | 19.37% | $16.0M |
| Q3 2025 | 64.97% | 64.97% | 66.22% | 20.47% | $15.0M |
| Q4 2025 | 67.62% | 67.62% | 68.87% | 19.89% | $14.8M |
| Q1 2026 | 70.30% | 70.30% | 71.55% | 20.92% | $14.4M |
| Q2 2026 | 68.33% | 68.33% | 69.58% | 20.86% | $15.0M |
The Donley County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Donley County State 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 The Donley County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11891) · FFIEC NIC profile (RSSD 753856)