First Lockhart 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.
In Q2 2026, Retained earnings edged up by 1.5%, from $30.2M to $30.6M, the largest move among the key lines here.
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 | 9.34% |
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 | $38.3M |
| Tier 1 capital | $38.3M |
| Total risk-based capital | — |
| Total equity capital | $38.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.13% |
| Tangible equity to tangible assets | 9.13% |
| Equity capital to average assets | 9.25% |
| Internal capital growth rate | 4.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $240K |
| Common stock surplus | $7.5M |
| Retained earnings | $30.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$376K |
| 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 | 13.03% | 13.03% | 14.27% | 9.26% | $262.7M |
| Q4 2023 | 13.28% | 13.28% | 14.53% | 9.08% | $259.7M |
| Q1 2024 | 12.76% | 12.76% | 13.95% | 9.22% | $271.7M |
| Q2 2024 | 12.80% | 12.80% | 13.99% | 9.26% | $272.1M |
| Q3 2024 | 12.82% | 12.82% | 14.01% | 9.17% | $273.5M |
| Q4 2024 | 13.71% | 13.71% | 14.96% | 9.07% | $259.7M |
| Q1 2025 | 13.65% | 13.65% | 14.89% | 9.08% | $262.7M |
| Q2 2025 | 13.49% | 13.49% | 14.69% | 9.42% | $269.0M |
| Q3 2025 | 13.26% | 13.26% | 14.41% | 9.71% | $279.4M |
| Q4 2025 | — | — | — | 9.50% | — |
| Q1 2026 | — | — | — | 9.37% | — |
| Q2 2026 | — | — | — | 9.34% | — |
First Lockhart Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Lockhart 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 Lockhart Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13599) · FFIEC NIC profile (RSSD 631150)