First Capital 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%.
Retained earnings rose 5.5% from Q1 2026 to Q2 2026, ending at $7.3M against $6.9M. It was the largest change among the key lines on this page. Within Texas, First Capital Bank is 144th of 184 on CET1 ratio, 13.71% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Capital Bank sits 1.36 points lower, at 13.71% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.71% |
| Tier 1 risk-based capital ratio | 13.71% |
| Total risk-based capital ratio | 14.97% |
| Tier 1 leverage ratio | 9.57% |
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 | $10.3M |
| Tier 1 capital | $10.3M |
| Total risk-based capital | $11.2M |
| Total equity capital | $10.3M |
| Risk-weighted assets | $74.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.57% |
| Internal capital growth rate | 15.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $2.8M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$115K |
| 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 | 12.09% | 12.09% | 13.34% | 10.03% | $67.7M |
| Q4 2023 | 11.49% | 11.49% | 12.74% | 9.69% | $74.1M |
| Q1 2024 | 11.68% | 11.68% | 12.93% | 9.85% | $74.4M |
| Q2 2024 | 11.73% | 11.73% | 12.99% | 10.01% | $76.6M |
| Q3 2024 | 11.59% | 11.59% | 12.85% | 9.88% | $77.9M |
| Q4 2024 | 11.32% | 11.32% | 12.58% | 9.26% | $80.5M |
| Q1 2025 | 11.89% | 11.89% | 13.15% | 9.73% | $78.3M |
| Q2 2025 | 12.13% | 12.13% | 13.38% | 10.01% | $79.5M |
| Q3 2025 | 12.34% | 12.34% | 13.59% | 9.45% | $79.2M |
| Q4 2025 | 11.25% | 11.25% | 12.51% | 8.78% | $83.8M |
| Q1 2026 | 12.91% | 12.91% | 14.17% | 9.18% | $77.5M |
| Q2 2026 | 13.71% | 13.71% | 14.97% | 9.57% | $74.9M |
First Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Capital 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 First Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3399) · FFIEC NIC profile (RSSD 919568)