First National Bank of Central 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.61 percentage points in Q2 2026 to 10.77%, the biggest move on this page. First National Bank of Central Texas ranks 128th of 184 Texas banks on CET1 ratio, in the lower half at 14.55% (Q2 2026). First National Bank of Central Texas reported 14.55% on CET1 ratio for Q2 2026, 1.07 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 10.83% |
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 | $196.4M |
| Tier 1 capital | $196.4M |
| Total risk-based capital | $213.2M |
| Total equity capital | $191.2M |
| Risk-weighted assets | $1.35B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.77% |
| Tangible equity to tangible assets | 10.72% |
| Equity capital to average assets | 10.54% |
| Internal capital growth rate | -3.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $58.6M |
| Retained earnings | $138.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| 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 | 11.16% | 11.16% | 12.37% | 9.29% | $1.27B |
| Q4 2023 | 12.98% | 12.98% | 14.23% | 9.33% | $1.16B |
| Q1 2024 | 15.27% | 15.27% | 16.52% | 10.87% | $1.16B |
| Q2 2024 | 15.36% | 15.36% | 16.61% | 10.55% | $1.14B |
| Q3 2024 | 15.86% | 15.86% | 17.11% | 10.79% | $1.12B |
| Q4 2024 | 16.07% | 16.07% | 17.33% | 11.46% | $1.16B |
| Q1 2025 | 16.06% | 16.06% | 17.31% | 11.97% | $1.19B |
| Q2 2025 | 15.92% | 15.92% | 17.17% | 11.61% | $1.19B |
| Q3 2025 | 15.98% | 15.98% | 17.23% | 11.69% | $1.21B |
| Q4 2025 | 15.27% | 15.27% | 16.53% | 11.24% | $1.27B |
| Q1 2026 | 15.02% | 15.02% | 16.27% | 11.38% | $1.32B |
| Q2 2026 | 14.55% | 14.55% | 15.80% | 10.83% | $1.35B |
First National Bank of Central Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Central 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 First National Bank of Central Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3325) · FFIEC NIC profile (RSSD 369659)