Extraco Banks, N.A.: 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 biggest quarter-over-quarter change on this page was a small one: Total equity capital edged up 2.3% between Q1 2026 and Q2 2026, to $217.3M. Extraco Banks, N.A. ranks 106th of 184 Texas banks on CET1 ratio, in the lower half at 15.88% (Q2 2026). Extraco Banks, N.A. reported 15.88% on CET1 ratio for Q2 2026, 2.39 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.88% |
| Tier 1 risk-based capital ratio | 15.88% |
| Total risk-based capital ratio | 17.14% |
| Tier 1 leverage ratio | 8.67% |
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 | $215.9M |
| Tier 1 capital | $215.9M |
| Total risk-based capital | $233.1M |
| Total equity capital | $217.3M |
| Risk-weighted assets | $1.36B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.44% |
| Tangible equity to tangible assets | 8.44% |
| Equity capital to average assets | 8.73% |
| Internal capital growth rate | 5.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $29.4M |
| Retained earnings | $182.8M |
| 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 | 14.54% | 14.54% | 15.80% | 8.30% | $1.26B |
| Q4 2023 | 14.50% | 14.50% | 15.77% | 8.22% | $1.28B |
| Q1 2024 | 14.27% | 14.27% | 15.54% | 8.16% | $1.31B |
| Q2 2024 | 14.12% | 14.12% | 15.38% | 8.03% | $1.34B |
| Q3 2024 | 14.49% | 14.49% | 15.75% | 7.83% | $1.33B |
| Q4 2024 | 14.66% | 14.66% | 15.92% | 8.20% | $1.34B |
| Q1 2025 | 14.71% | 14.71% | 15.97% | 8.24% | $1.35B |
| Q2 2025 | 14.86% | 14.86% | 16.12% | 8.21% | $1.36B |
| Q3 2025 | 15.10% | 15.10% | 16.37% | 8.34% | $1.35B |
| Q4 2025 | 15.58% | 15.58% | 16.84% | 8.52% | $1.35B |
| Q1 2026 | 15.86% | 15.86% | 17.13% | 8.70% | $1.34B |
| Q2 2026 | 15.88% | 15.88% | 17.14% | 8.67% | $1.36B |
Extraco Banks, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Extraco Banks, N.A., 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 Extraco Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5551) · FFIEC NIC profile (RSSD 537560)