The First National Bank of Hughes Springs: 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, Retained earnings rose 6.6% in Q2 2026 to $25.9M, the biggest move on this page. Within Texas, The First National Bank of Hughes Springs is 91st of 184 on CET1 ratio, 17.08% 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 Hughes Springs sits 2.01 points higher, at 17.08% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.08% |
| Tier 1 risk-based capital ratio | 17.08% |
| Total risk-based capital ratio | 18.33% |
| Tier 1 leverage ratio | 11.04% |
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 | $35.8M |
| Tier 1 capital | $35.8M |
| Total risk-based capital | $38.4M |
| Total equity capital | $35.7M |
| Risk-weighted assets | $209.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.17% |
| Tangible equity to tangible assets | 11.11% |
| Equity capital to average assets | 11.00% |
| Internal capital growth rate | 18.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $455K |
| Common stock surplus | $9.6M |
| Retained earnings | $25.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$310K |
| 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 | 18.00% | 18.00% | 19.11% | 12.35% | $219.3M |
| Q4 2023 | 14.64% | 14.64% | 15.74% | 10.08% | $219.4M |
| Q1 2024 | 15.63% | 15.63% | 16.61% | 11.03% | $224.7M |
| Q2 2024 | 16.37% | 16.37% | 17.27% | 11.77% | $223.8M |
| Q3 2024 | 16.44% | 16.44% | 17.42% | 12.25% | $229.6M |
| Q4 2024 | 14.28% | 14.28% | 15.48% | 10.60% | $225.5M |
| Q1 2025 | 15.16% | 15.16% | 16.32% | 11.19% | $227.9M |
| Q2 2025 | 16.41% | 16.41% | 17.58% | 11.76% | $226.1M |
| Q3 2025 | 17.12% | 17.12% | 18.34% | 12.11% | $221.4M |
| Q4 2025 | 15.14% | 15.14% | 16.39% | 10.12% | $213.1M |
| Q1 2026 | 16.59% | 16.59% | 17.84% | 10.73% | $206.0M |
| Q2 2026 | 17.08% | 17.08% | 18.33% | 11.04% | $209.5M |
The First National Bank of Hughes Springs 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 Hughes Springs, 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 Hughes Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3268) · FFIEC NIC profile (RSSD 849357)