The First National Bank of Sterling City: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 17.9% lower than in Q1 2026, at -$8.2M. Among 184 Texas banks, The First National Bank of Sterling City sits 14th from the top on CET1 ratio, 39.60% as of Q2 2026. The First National Bank of Sterling City's CET1 ratio of 39.60% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 24.53 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 39.60% |
| Tier 1 risk-based capital ratio | 39.60% |
| Total risk-based capital ratio | 40.26% |
| Tier 1 leverage ratio | 11.62% |
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 | $29.8M |
| Tier 1 capital | $29.8M |
| Total risk-based capital | $30.3M |
| Total equity capital | $21.6M |
| Risk-weighted assets | $75.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.98% |
| Tangible equity to tangible assets | 8.98% |
| Equity capital to average assets | 8.42% |
| Internal capital growth rate | 15.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $4.6M |
| Retained earnings | $24.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.2M |
| 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 | 36.12% | 36.12% | 36.72% | 9.47% | $63.4M |
| Q4 2023 | 35.23% | 35.23% | 35.82% | 9.73% | $66.6M |
| Q1 2024 | 34.62% | 34.62% | 35.19% | 9.21% | $69.0M |
| Q2 2024 | 36.93% | 36.93% | 37.52% | 10.00% | $66.3M |
| Q3 2024 | 37.08% | 37.08% | 37.67% | 10.60% | $67.6M |
| Q4 2024 | 37.10% | 37.10% | 37.72% | 10.81% | $69.4M |
| Q1 2025 | 35.35% | 35.35% | 36.00% | 10.58% | $73.8M |
| Q2 2025 | 36.76% | 36.76% | 37.43% | 11.42% | $72.9M |
| Q3 2025 | 36.92% | 36.92% | 37.57% | 11.40% | $74.8M |
| Q4 2025 | 39.17% | 39.17% | 39.82% | 11.56% | $72.5M |
| Q1 2026 | 38.06% | 38.06% | 38.68% | 10.96% | $75.9M |
| Q2 2026 | 39.60% | 39.60% | 40.26% | 11.62% | $75.1M |
The First National Bank of Sterling City 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 Sterling City, 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 Sterling City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5538) · FFIEC NIC profile (RSSD 411062)