First Southwest Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 19.81% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 19.81% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 26.56% +20.06 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $99.1M | 99,052 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $372.9M | 372,900 | RCOAA223 |
| Recomputed ratio | 26.56% | numerator / denominator | |
| Filed ratio | 26.56% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +20.06 pp | $74.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 26.56% +18.56 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $99.1M | 99,052 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $372.9M | 372,900 | RCOAA223 |
| Recomputed ratio | 26.56% | numerator / denominator | |
| Filed ratio | 26.56% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +18.56 pp | $69.2M | capital that could be lost first |
Total risk-based capital ratio 27.81% +17.81 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $103.7M | 103,715 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $372.9M | 372,900 | RCOAA223 |
| Recomputed ratio | 27.81% | numerator / denominator | |
| Filed ratio | 27.81% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +17.81 pp | $66.4M | capital that could be lost first |
Tier 1 leverage ratio 15.31% +10.31 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $99.1M | 99,052 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $646.9M | 646,906 | RCOAA224 |
| Recomputed ratio | 15.31% | numerator / denominator | |
| Filed ratio | 15.31% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +10.31 pp | $66.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 91,835 | 91,835 | 91,835 | 91,835 | 91,835 | 91,835 | RCOAP742 |
| Retained earnings | 11,488 | 11,523 | 11,255 | 19,020 | 17,900 | 18,015 | RCOAKW00 |
| Accumulated other comprehensive income | (16,077) | (15,743) | (15,591) | (15,501) | (19,482) | (18,162) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 87,246 | 87,615 | 87,499 | 95,354 | 90,253 | 91,688 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 11,806 | 11,472 | 11,320 | 11,230 | 15,211 | 13,891 | P859 - P840 |
| Common equity Tier 1 capital | 99,052 | 99,087 | 98,819 | 106,584 | 105,464 | 105,579 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 99,052 | 99,087 | 98,819 | 106,584 | 105,464 | 105,579 | RCOA8274 |
| Tier 2 capital | 4,663 | 4,610 | 4,567 | 4,340 | 4,275 | 4,047 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,663 | 4,610 | 4,567 | 4,340 | 4,275 | 4,047 | RCOA5310 |
| Total capital | 103,715 | 103,697 | 103,386 | 110,924 | 109,739 | 109,626 | RCOA3792 |
| Total risk-weighted assets | 372,900 | 368,683 | 364,935 | 346,777 | 341,557 | 323,068 | RCOAA223 |
| Average total assets for the leverage ratio | 646,906 | 654,035 | 645,543 | 636,607 | 621,171 | 566,273 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $38.0M | $2.0M | 5.29% | 0.54% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $267.0M | $48.5M | 18.17% | 13.01% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $66.1M | $37.7M | 57.02% | 10.10% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $854K | $1.3M | 150.00% | 0.34% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $112K | $168K | 150.00% | 0.04% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $274.8M | $237.2M | 86.33% | 63.59% | RC-R Part II, item 4.d, 5.d |
| All other assets | $32.1M | $29.5M | 91.64% | 7.89% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $18.8M | $16.7M | 89.10% | 4.48% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $383K | $0 | 0.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1K | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $373.1M | ties to item 31 ($373.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $373.1M | RCONB704 |
| Less: excess allowance for credit losses | $171K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $372.9M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 26.56% | 26.56% | 27.81% | 15.31% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 26.88% | 26.88% | 28.13% | 15.15% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 27.08% | 27.08% | 28.33% | 15.31% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 30.74% | 30.74% | 31.99% | 16.74% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 30.88% | 30.88% | 32.13% | 16.98% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 32.68% | 32.68% | 33.93% | 18.64% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 33.33% | 33.33% | 34.58% | 19.30% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 33.65% | 33.65% | 34.91% | 19.81% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 33.97% | 33.97% | 35.23% | 19.65% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 34.80% | 34.80% | 36.05% | 19.43% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 35.38% | 35.38% | 36.63% | 19.43% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 35.33% | 35.33% | 36.58% | 19.95% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Southwest Bank (this bank) | Risk-based | 26.56% | 26.56% | 27.81% | 15.31% | |
| Classic Bank, N.A. | $657.5M | Risk-based | 15.44% | 15.44% | 16.70% | 11.58% |
| Homeland Federal Savings Bank | $657.8M | CBLR | NA | NA | NA | 9.21% |
| Bank of Oak Ridge | $658.1M | CBLR | NA | NA | NA | 12.53% |
| First Hope Bank, a National Banking Association | $656.7M | Risk-based | 14.13% | 14.13% | 15.38% | 10.02% |
| Peoples Bank & Trust | $656.6M | Risk-based | 16.48% | 16.48% | 17.52% | 10.73% |
| GBC International Bank | $658.5M | CBLR | NA | NA | NA | 15.94% |
| First State Bank and Trust Company, Inc. | $659.0M | CBLR | NA | NA | NA | 12.57% |
| Worthington Bank | $655.4M | Risk-based | 12.56% | 12.56% | 13.61% | 9.31% |
| Peer 25th percentile | 13.74% | 13.74% | 14.94% | 9.84% | ||
| Peer median | 14.79% | 14.79% | 16.04% | 11.16% | ||
| Peer 75th percentile | 15.70% | 15.70% | 16.90% | 12.54% | ||
| This bank's percentile | 100 | 100 | 100 | 88 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3224302/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.