First State Bank of Uvalde: 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%.
Equity capital to total assets climbed 0.78 percentage points in Q2 2026, from 11.79% to 12.58%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.66% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $285.0M |
| Tier 1 capital | $285.0M |
| Total risk-based capital | — |
| Total equity capital | $211.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.58% |
| Tangible equity to tangible assets | 12.50% |
| Equity capital to average assets | 11.63% |
| Internal capital growth rate | 9.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $27.2M |
| Retained earnings | $257.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$74.6M |
| 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 | 26.65% | 26.65% | 27.88% | 11.85% | $893.0M |
| Q4 2023 | 26.78% | 26.78% | 28.02% | 12.05% | $907.5M |
| Q1 2024 | 27.48% | 27.48% | 28.75% | 12.29% | $902.8M |
| Q2 2024 | 28.45% | 28.45% | 29.62% | 12.57% | $889.1M |
| Q3 2024 | 28.95% | 28.95% | 30.13% | 13.32% | $885.0M |
| Q4 2024 | — | — | — | 13.90% | — |
| Q1 2025 | — | — | — | 13.41% | — |
| Q2 2025 | — | — | — | 13.76% | — |
| Q3 2025 | — | — | — | 14.33% | — |
| Q4 2025 | — | — | — | 14.57% | — |
| Q1 2026 | — | — | — | 15.23% | — |
| Q2 2026 | — | — | — | 15.66% | — |
First State Bank of Uvalde regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Uvalde, 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 State Bank of Uvalde profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9978) · FFIEC NIC profile (RSSD 273662)