First National Bank of Lake Jackson: 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, Tier 1 leverage ratio rose 0.69 percentage points in Q2 2026 to 11.73%, the biggest move on this page. Within Texas, First National Bank of Lake Jackson is 19th of 184 on CET1 ratio, 34.17% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, First National Bank of Lake Jackson reported 34.17% on CET1 ratio in Q2 2026, 19.09 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 34.17% |
| Tier 1 risk-based capital ratio | 34.17% |
| Total risk-based capital ratio | 34.94% |
| Tier 1 leverage ratio | 11.73% |
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 | $26.2M |
| Tier 1 capital | $26.2M |
| Total risk-based capital | $26.8M |
| Total equity capital | $6.4M |
| Risk-weighted assets | $76.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 2.95% |
| Tangible equity to tangible assets | 2.95% |
| Equity capital to average assets | 2.88% |
| Internal capital growth rate | 8.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $220K |
| Common stock surplus | $220K |
| Retained earnings | $25.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.8M |
| 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 | 43.32% | 43.32% | 43.87% | 11.34% | $61.6M |
| Q4 2023 | 43.96% | 43.96% | 44.53% | 10.69% | $60.0M |
| Q1 2024 | 44.19% | 44.19% | 44.76% | 9.80% | $59.6M |
| Q2 2024 | 43.55% | 43.55% | 44.18% | 10.28% | $59.5M |
| Q3 2024 | 41.69% | 41.69% | 42.29% | 10.43% | $62.0M |
| Q4 2024 | 40.61% | 40.61% | 41.23% | 10.58% | $63.5M |
| Q1 2025 | 37.73% | 37.73% | 38.37% | 10.52% | $68.2M |
| Q2 2025 | 34.88% | 34.88% | 35.64% | 10.98% | $73.7M |
| Q3 2025 | 35.15% | 35.15% | 35.91% | 12.06% | $73.3M |
| Q4 2025 | 33.12% | 33.12% | 33.88% | 11.98% | $78.1M |
| Q1 2026 | 33.92% | 33.92% | 34.70% | 11.03% | $76.8M |
| Q2 2026 | 34.17% | 34.17% | 34.94% | 11.73% | $76.7M |
First National Bank of Lake Jackson regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Lake Jackson, 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 Lake Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18895) · FFIEC NIC profile (RSSD 560353)