First Texas 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Total risk-based capital ratio rose 0.73 percentage points in Q2 2026 to 20.89%, the biggest move on this page. First Texas Bank ranks 57th of 184 Texas banks on CET1 ratio, in the upper half at 20.48% (Q2 2026). First Texas Bank's CET1 ratio of 20.48% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 6.98 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.48% |
| Tier 1 risk-based capital ratio | 20.48% |
| Total risk-based capital ratio | 20.89% |
| Tier 1 leverage ratio | 11.25% |
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 | $145.4M |
| Tier 1 capital | $145.4M |
| Total risk-based capital | $148.3M |
| Total equity capital | $144.7M |
| Risk-weighted assets | $710.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.05% |
| Tangible equity to tangible assets | 11.05% |
| Equity capital to average assets | 11.19% |
| Internal capital growth rate | 2.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $47.5M |
| Retained earnings | $97.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$726K |
| 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 | 19.27% | 19.27% | 19.64% | 9.95% | $469.1M |
| Q4 2023 | 19.82% | 19.82% | 20.22% | 10.30% | $458.6M |
| Q1 2024 | 19.75% | 19.75% | 20.12% | 10.61% | $465.0M |
| Q2 2024 | 19.52% | 19.52% | 19.88% | 10.50% | $475.5M |
| Q3 2024 | 19.78% | 19.78% | 20.14% | 10.60% | $475.2M |
| Q4 2024 | 20.08% | 20.08% | 20.46% | 10.83% | $696.3M |
| Q1 2025 | 20.29% | 20.29% | 20.67% | 10.96% | $696.2M |
| Q2 2025 | 19.57% | 19.57% | 19.95% | 10.90% | $723.4M |
| Q3 2025 | 19.16% | 19.16% | 19.54% | 10.83% | $744.7M |
| Q4 2025 | 19.45% | 19.45% | 19.85% | 10.92% | $739.8M |
| Q1 2026 | 19.75% | 19.75% | 20.16% | 11.14% | $732.7M |
| Q2 2026 | 20.48% | 20.48% | 20.89% | 11.25% | $710.3M |
First Texas Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texas 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 Texas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11935) · FFIEC NIC profile (RSSD 444350)