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, Risk-weighted assets rose 4.2% in Q2 2026 to $110.2M, the biggest move on this page. First Texas Bank ranks 47th of 184 Texas banks on CET1 ratio, in the upper half at 23.25% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, First Texas Bank reported 23.25% on CET1 ratio in Q2 2026, 8.17 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.25% |
| Tier 1 risk-based capital ratio | 23.25% |
| Total risk-based capital ratio | 23.63% |
| Tier 1 leverage ratio | 10.14% |
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 | $25.6M |
| Tier 1 capital | $25.6M |
| Total risk-based capital | $26.0M |
| Total equity capital | $25.4M |
| Risk-weighted assets | $110.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.80% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 10.06% |
| Internal capital growth rate | 10.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $7.0M |
| Retained earnings | $16.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$183K |
| 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 | 21.31% | 21.31% | 21.74% | 9.84% | $95.3M |
| Q4 2023 | 21.43% | 21.43% | 21.89% | 10.03% | $96.5M |
| Q1 2024 | 21.52% | 21.52% | 21.98% | 10.06% | $97.7M |
| Q2 2024 | 20.94% | 20.94% | 21.36% | 10.08% | $101.9M |
| Q3 2024 | 21.11% | 21.11% | 21.51% | 9.95% | $102.6M |
| Q4 2024 | 21.49% | 21.49% | 21.91% | 9.98% | $102.7M |
| Q1 2025 | 21.88% | 21.88% | 22.29% | 9.67% | $103.0M |
| Q2 2025 | 21.75% | 21.75% | 22.15% | 9.85% | $106.0M |
| Q3 2025 | 24.02% | 24.02% | 24.45% | 9.47% | $99.2M |
| Q4 2025 | 23.14% | 23.14% | 23.60% | 10.05% | $105.7M |
| Q1 2026 | 23.64% | 23.64% | 24.07% | 10.16% | $105.7M |
| Q2 2026 | 23.25% | 23.25% | 23.63% | 10.14% | $110.2M |
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 3293) · FFIEC NIC profile (RSSD 875758)