First Southwest 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.28 percentage points to 13.27%. Within Colorado, First Southwest Bank is 6th of 34 on CET1 ratio, 26.56% 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 Southwest Bank reported 26.56% on CET1 ratio in Q2 2026, 11.49 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.56% |
| Tier 1 risk-based capital ratio | 26.56% |
| Total risk-based capital ratio | 27.81% |
| Tier 1 leverage ratio | 15.31% |
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 | $99.1M |
| Tier 1 capital | $99.1M |
| Total risk-based capital | $103.7M |
| Total equity capital | $87.2M |
| Risk-weighted assets | $372.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.27% |
| Tangible equity to tangible assets | 12.70% |
| Equity capital to average assets | 13.40% |
| Internal capital growth rate | -0.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $84.8M |
| Retained earnings | $11.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.1M |
| 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 | 35.33% | 35.33% | 36.58% | 19.95% | $287.2M |
| Q4 2023 | 35.38% | 35.38% | 36.63% | 19.43% | $291.2M |
| Q1 2024 | 34.80% | 34.80% | 36.05% | 19.43% | $297.0M |
| Q2 2024 | 33.97% | 33.97% | 35.23% | 19.65% | $304.4M |
| Q3 2024 | 33.65% | 33.65% | 34.91% | 19.81% | $309.4M |
| Q4 2024 | 33.33% | 33.33% | 34.58% | 19.30% | $318.9M |
| Q1 2025 | 32.68% | 32.68% | 33.93% | 18.64% | $323.1M |
| Q2 2025 | 30.88% | 30.88% | 32.13% | 16.98% | $341.6M |
| Q3 2025 | 30.74% | 30.74% | 31.99% | 16.74% | $346.8M |
| Q4 2025 | 27.08% | 27.08% | 28.33% | 15.31% | $364.9M |
| Q1 2026 | 26.88% | 26.88% | 28.13% | 15.15% | $368.7M |
| Q2 2026 | 26.56% | 26.56% | 27.81% | 15.31% | $372.9M |
First Southwest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southwest 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 Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57741) · FFIEC NIC profile (RSSD 3224302)