Fannin 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which fell 0.41 percentage points to 6.46%. Within Texas, Fannin Bank is 104th of 184 on CET1 ratio, 16.15% as of Q2 2026. Fannin Bank reported 16.15% on CET1 ratio for Q2 2026, 1.06 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.15% |
| Tier 1 risk-based capital ratio | 16.15% |
| Total risk-based capital ratio | 17.40% |
| Tier 1 leverage ratio | 8.60% |
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 | $13.9M |
| Tier 1 capital | $13.9M |
| Total risk-based capital | $15.0M |
| Total equity capital | $10.4M |
| Risk-weighted assets | $86.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.56% |
| Tangible equity to tangible assets | 6.56% |
| Equity capital to average assets | 6.46% |
| Internal capital growth rate | 4.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $4.1M |
| Retained earnings | $9.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 13.65% | 13.65% | 14.90% | 7.92% | $85.7M |
| Q4 2023 | 13.74% | 13.74% | 14.99% | 7.96% | $85.7M |
| Q1 2024 | 13.91% | 13.91% | 15.16% | 8.05% | $84.8M |
| Q2 2024 | 14.34% | 14.34% | 15.60% | 8.26% | $84.4M |
| Q3 2024 | 14.65% | 14.65% | 15.90% | 8.38% | $84.3M |
| Q4 2024 | 14.95% | 14.95% | 16.21% | 8.53% | $83.3M |
| Q1 2025 | 15.26% | 15.26% | 16.52% | 8.52% | $82.7M |
| Q2 2025 | 15.30% | 15.30% | 16.56% | 8.37% | $83.9M |
| Q3 2025 | 15.65% | 15.65% | 16.90% | 8.50% | $83.4M |
| Q4 2025 | 16.45% | 16.45% | 17.70% | 8.64% | $80.6M |
| Q1 2026 | 16.63% | 16.63% | 17.88% | 8.90% | $82.8M |
| Q2 2026 | 16.15% | 16.15% | 17.40% | 8.60% | $86.0M |
Fannin Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fannin 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 Fannin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5589) · FFIEC NIC profile (RSSD 377663)