The First National Bank of Ballinger: 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%.
Accumulated other comprehensive income dropped 8.5% in Q2 2026, from -$2.6M to -$2.8M. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Ballinger is 80th of 184 on CET1 ratio, 17.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The First National Bank of Ballinger sits 2.48 points higher, at 17.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.55% |
| Tier 1 risk-based capital ratio | 17.55% |
| Total risk-based capital ratio | 18.81% |
| Tier 1 leverage ratio | 10.52% |
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 | $29.7M |
| Tier 1 capital | $29.7M |
| Total risk-based capital | $31.8M |
| Total equity capital | $28.0M |
| Risk-weighted assets | $169.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.18% |
| Tangible equity to tangible assets | 9.82% |
| Equity capital to average assets | 9.89% |
| Internal capital growth rate | 5.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $8.4M |
| Retained earnings | $22.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 | 15.98% | 15.98% | 17.23% | 9.93% | $160.6M |
| Q4 2023 | 15.84% | 15.84% | 17.09% | 10.26% | $164.9M |
| Q1 2024 | 15.91% | 15.91% | 17.16% | 10.37% | $166.4M |
| Q2 2024 | 15.73% | 15.73% | 16.99% | 10.40% | $170.7M |
| Q3 2024 | 15.62% | 15.62% | 16.87% | 10.52% | $174.8M |
| Q4 2024 | 15.45% | 15.45% | 16.70% | 10.41% | $179.6M |
| Q1 2025 | 16.11% | 16.11% | 17.37% | 10.65% | $172.2M |
| Q2 2025 | 16.37% | 16.37% | 17.63% | 10.74% | $171.8M |
| Q3 2025 | 16.85% | 16.85% | 18.11% | 10.72% | $169.3M |
| Q4 2025 | 17.50% | 17.50% | 18.76% | 10.64% | $165.6M |
| Q1 2026 | 16.38% | 16.38% | 17.64% | 10.51% | $179.1M |
| Q2 2026 | 17.55% | 17.55% | 18.81% | 10.52% | $169.2M |
The First National Bank of Ballinger regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Ballinger, 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 The First National Bank of Ballinger profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3087) · FFIEC NIC profile (RSSD 160454)