First Texas Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 12.89% (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: 12.89% (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 20.48% +13.98 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 | $145.4M | 145,450 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $710.3M | 710,295 | RCOAA223 |
| Recomputed ratio | 20.48% | numerator / denominator | |
| Filed ratio | 20.48% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.98 pp | $99.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.48% +12.48 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 | $145.4M | 145,450 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $710.3M | 710,295 | RCOAA223 |
| Recomputed ratio | 20.48% | numerator / denominator | |
| Filed ratio | 20.48% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.48 pp | $88.6M | capital that could be lost first |
Total risk-based capital ratio 20.89% +10.89 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 | $148.3M | 148,348 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $710.3M | 710,295 | RCOAA223 |
| Recomputed ratio | 20.89% | numerator / denominator | |
| Filed ratio | 20.89% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +10.89 pp | $77.3M | capital that could be lost first |
Tier 1 leverage ratio 11.25% +6.25 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 | $145.4M | 145,450 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.29B | 1,293,076 | RCOAA224 |
| Recomputed ratio | 11.25% | numerator / denominator | |
| Filed ratio | 11.25% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.25 pp | $80.8M | 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 | 48,500 | 48,500 | 48,500 | 48,500 | 48,500 | 48,500 | RCOAP742 |
| Retained earnings | 96,950 | 96,228 | 95,400 | 94,165 | 93,078 | 92,740 | RCOAKW00 |
| Accumulated other comprehensive income | (726) | (377) | (161) | (282) | (844) | (1,108) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 144,724 | 144,351 | 143,739 | 142,383 | 140,734 | 140,132 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 726 | 377 | 161 | 282 | 844 | 1,108 | P859 - P840 |
| Common equity Tier 1 capital | 145,450 | 144,728 | 143,900 | 142,665 | 141,578 | 141,240 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 145,450 | 144,728 | 143,900 | 142,665 | 141,578 | 141,240 | RCOA8274 |
| Tier 2 capital | 2,898 | 2,983 | 2,956 | 2,879 | 2,735 | 2,649 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,898 | 2,983 | 2,956 | 2,879 | 2,735 | 2,649 | RCOA5310 |
| Total capital | 148,348 | 147,711 | 146,856 | 145,544 | 144,313 | 143,889 | RCOA3792 |
| Total risk-weighted assets | 710,295 | 732,687 | 739,829 | 744,705 | 723,409 | 696,171 | RCOAA223 |
| Average total assets for the leverage ratio | 1,293,076 | 1,299,093 | 1,318,231 | 1,317,300 | 1,298,650 | 1,289,131 | 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 | $114.4M | $3.8M | 3.31% | 0.53% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $586.5M | $101.8M | 17.36% | 14.33% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $111.5M | $63.2M | 56.73% | 8.90% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $10.4M | $15.5M | 150.00% | 2.19% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $3.0M | $4.4M | 150.00% | 0.62% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $448.7M | $443.9M | 98.94% | 62.50% | RC-R Part II, item 4.d, 5.d |
| All other assets | $39.5M | $39.5M | 100.00% | 5.55% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $38.1M | $38.1M | 100.00% | 5.37% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $800 | 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 | $710.3M | ties to item 31 ($710.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $710.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $710.3M | 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 | 20.48% | 20.48% | 20.89% | 11.25% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 19.75% | 19.75% | 20.16% | 11.14% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 19.45% | 19.45% | 19.85% | 10.92% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.16% | 19.16% | 19.54% | 10.83% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 19.57% | 19.57% | 19.95% | 10.90% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 20.29% | 20.29% | 20.67% | 10.96% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 20.08% | 20.08% | 20.46% | 10.83% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 19.78% | 19.78% | 20.14% | 10.60% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 19.52% | 19.52% | 19.88% | 10.50% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 19.75% | 19.75% | 20.12% | 10.61% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 19.82% | 19.82% | 20.22% | 10.30% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 19.27% | 19.27% | 19.64% | 9.95% | 12.78% | 12.79% | 13.93% | 10.03% |
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 Texas Bank (this bank) | Risk-based | 20.48% | 20.48% | 20.89% | 11.25% | |
| Webster Five Cents Savings Bank | $1.31B | CBLR | NA | NA | NA | 12.52% |
| Fidelity Co-Operative Bank | $1.31B | CBLR | NA | NA | NA | 9.86% |
| Genesee Regional Bank | $1.31B | CBLR | NA | NA | NA | 10.97% |
| Signature Bank, N.A. | $1.31B | Risk-based | 14.27% | 14.27% | 15.32% | 12.44% |
| HNB National Bank | $1.31B | CBLR | NA | NA | NA | 9.72% |
| Farmers State Bank | $1.31B | CBLR | NA | NA | NA | 10.75% |
| Piedmont Federal Savings Bank | $1.32B | CBLR | NA | NA | NA | 18.60% |
| First Capital Bank | $1.32B | CBLR | NA | NA | NA | 9.58% |
| Greene County Commercial Bank | $1.32B | Risk-based | 51.28% | 51.28% | 51.28% | 10.05% |
| Peer 25th percentile | 23.52% | 23.52% | 24.31% | 9.86% | ||
| Peer median | 32.78% | 32.78% | 33.30% | 10.75% | ||
| Peer 75th percentile | 42.03% | 42.03% | 42.29% | 12.44% | ||
| This bank's percentile | 50 | 50 | 50 | 67 |
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/444350/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.