Fidelity Bank of Texas: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which fell 0.32 percentage points to 14.83%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.65% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $16.6M |
| Tier 1 capital | $16.6M |
| Total risk-based capital | — |
| Total equity capital | $24.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.86% |
| Tangible equity to tangible assets | 10.67% |
| Equity capital to average assets | 14.83% |
| Internal capital growth rate | -4.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $23.2M |
| Retained earnings | $523K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.65% | 19.15% | 12.18% |
| Q4 2023 | 13.36% | 20.85% | 13.67% |
| Q1 2024 | 13.53% | 20.24% | 13.36% |
| Q2 2024 | 13.11% | 20.11% | 13.37% |
| Q3 2024 | 12.83% | 19.37% | 12.94% |
| Q4 2024 | 12.72% | 18.72% | 13.51% |
| Q1 2025 | 12.97% | 18.78% | 13.66% |
| Q2 2025 | 13.07% | 17.48% | 12.75% |
| Q3 2025 | 11.92% | 16.21% | 11.82% |
| Q4 2025 | 11.58% | 15.69% | 11.28% |
| Q1 2026 | 10.90% | 14.81% | 10.64% |
| Q2 2026 | 10.65% | 14.86% | 10.67% |
Fidelity Bank of Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank of Texas, 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 Fidelity Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21455) · FFIEC NIC profile (RSSD 741068)