The First National Bank of Granbury: 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 Accumulated other comprehensive income, which rose 7.0% to -$10.0M.
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 | 12.13% |
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 | $115.4M |
| Tier 1 capital | $115.4M |
| Total risk-based capital | — |
| Total equity capital | $105.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
| Equity capital to average assets | 11.08% |
| Internal capital growth rate | 13.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $800K |
| Retained earnings | $114.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.0M |
| 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 | 10.82% | 7.44% | 7.44% |
| Q4 2023 | 10.65% | 8.20% | 8.20% |
| Q1 2024 | 10.77% | 8.47% | 8.47% |
| Q2 2024 | 11.12% | 8.89% | 8.89% |
| Q3 2024 | 11.37% | 9.77% | 9.77% |
| Q4 2024 | 10.99% | 8.84% | 8.84% |
| Q1 2025 | 11.13% | 9.38% | 9.38% |
| Q2 2025 | 11.48% | 10.01% | 10.01% |
| Q3 2025 | 11.75% | 10.74% | 10.74% |
| Q4 2025 | 11.47% | 9.97% | 9.97% |
| Q1 2026 | 11.71% | 10.71% | 10.71% |
| Q2 2026 | 12.13% | 11.14% | 11.14% |
The First National Bank of Granbury 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 Granbury, 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 Granbury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3228) · FFIEC NIC profile (RSSD 329952)