First National Bank Texas dba First Convenience Bank: 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 Retained earnings: 9.5% higher than in Q1 2026, at $175.9M. First National Bank Texas dba First Convenience Bank ranks 67th of 184 Texas banks on CET1 ratio, in the upper half at 19.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. First National Bank Texas dba First Convenience Bank sits 6.23 points higher, at 19.71% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.71% |
| Tier 1 risk-based capital ratio | 19.71% |
| Total risk-based capital ratio | 20.98% |
| Tier 1 leverage ratio | 9.12% |
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 | $434.5M |
| Tier 1 capital | $434.5M |
| Total risk-based capital | $462.5M |
| Total equity capital | $311.5M |
| Risk-weighted assets | $2.20B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.71% |
| Tangible equity to tangible assets | 6.71% |
| Equity capital to average assets | 6.54% |
| Internal capital growth rate | 20.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $257.1M |
| Retained earnings | $175.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$123.0M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.77% | 20.77% | 22.04% | 9.11% | $1.86B |
| Q4 2023 | 21.02% | 21.02% | 22.29% | 9.13% | $1.85B |
| Q1 2024 | 21.76% | 21.76% | 23.03% | 9.08% | $1.83B |
| Q2 2024 | 21.25% | 21.25% | 22.52% | 9.11% | $1.84B |
| Q3 2024 | 20.65% | 20.65% | 21.92% | 9.11% | $1.89B |
| Q4 2024 | 20.06% | 20.06% | 21.33% | 9.12% | $1.95B |
| Q1 2025 | 20.39% | 20.39% | 21.65% | 9.18% | $1.98B |
| Q2 2025 | 19.78% | 19.78% | 21.05% | 9.04% | $2.04B |
| Q3 2025 | 19.66% | 19.66% | 20.93% | 9.10% | $2.06B |
| Q4 2025 | 19.12% | 19.12% | 20.38% | 9.12% | $2.13B |
| Q1 2026 | 19.34% | 19.34% | 20.61% | 9.14% | $2.17B |
| Q2 2026 | 19.71% | 19.71% | 20.98% | 9.12% | $2.20B |
First National Bank Texas dba First Convenience Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank Texas dba First Convenience Bank, 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 Texas dba First Convenience Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3285) · FFIEC NIC profile (RSSD 613950)