First Texas Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.63% (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: 15.63% (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 23.25% +16.75 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 | $25.6M | 25,627 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $110.2M | 110,213 | RCOAA223 |
| Recomputed ratio | 23.25% | numerator / denominator | |
| Filed ratio | 23.25% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +16.75 pp | $18.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.25% +15.25 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 | $25.6M | 25,627 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $110.2M | 110,213 | RCOAA223 |
| Recomputed ratio | 23.25% | numerator / denominator | |
| Filed ratio | 23.25% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.25 pp | $16.8M | capital that could be lost first |
Total risk-based capital ratio 23.63% +13.63 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 | $26.0M | 26,047 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $110.2M | 110,213 | RCOAA223 |
| Recomputed ratio | 23.63% | numerator / denominator | |
| Filed ratio | 23.63% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.63 pp | $15.0M | capital that could be lost first |
Tier 1 leverage ratio 10.14% +5.14 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 | $25.6M | 25,627 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $252.8M | 252,811 | RCOAA224 |
| Recomputed ratio | 10.14% | numerator / denominator | |
| Filed ratio | 10.14% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.14 pp | $13.0M | 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 | 9,000 | 9,000 | 9,000 | 9,000 | 9,000 | 9,000 | RCOAP742 |
| Retained earnings | 16,627 | 16,003 | 15,460 | 14,822 | 14,062 | 13,524 | RCOAKW00 |
| Accumulated other comprehensive income | (183) | (92) | (36) | (63) | (158) | (189) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 25,444 | 24,911 | 24,424 | 23,759 | 22,904 | 22,335 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 183 | 92 | 36 | 63 | 158 | 189 | P859 - P840 |
| Common equity Tier 1 capital | 25,627 | 25,003 | 24,460 | 23,822 | 23,062 | 22,524 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,627 | 25,003 | 24,460 | 23,822 | 23,062 | 22,524 | RCOA8274 |
| Tier 2 capital | 420 | 447 | 485 | 431 | 425 | 423 | RCOA5311 |
| Allowance includable in Tier 2 capital | 420 | 447 | 485 | 431 | 425 | 423 | RCOA5310 |
| Total capital | 26,047 | 25,450 | 24,945 | 24,253 | 23,487 | 22,947 | RCOA3792 |
| Total risk-weighted assets | 110,213 | 105,748 | 105,710 | 99,182 | 106,050 | 102,962 | RCOAA223 |
| Average total assets for the leverage ratio | 252,811 | 246,146 | 243,431 | 251,447 | 234,252 | 232,985 | 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 | $36.4M | $7.0M | 19.17% | 6.33% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $124.8M | $23.0M | 18.42% | 20.85% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $40.7M | $20.7M | 50.81% | 18.76% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $52.4M | $51.4M | 98.18% | 46.65% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.1M | $6.1M | 100.00% | 5.56% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.0M | $2.0M | 100.00% | 1.86% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | 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 | $110.2M | ties to item 31 ($110.2M) |
|---|---|---|
| Risk-weighted assets before deductions | $110.2M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $110.2M | 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 | 23.25% | 23.25% | 23.63% | 10.14% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 23.64% | 23.64% | 24.07% | 10.16% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 23.14% | 23.14% | 23.60% | 10.05% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 24.02% | 24.02% | 24.45% | 9.47% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 21.75% | 21.75% | 22.15% | 9.85% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 21.88% | 21.88% | 22.29% | 9.67% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.49% | 21.49% | 21.91% | 9.98% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.11% | 21.11% | 21.51% | 9.95% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 20.94% | 20.94% | 21.36% | 10.08% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 21.52% | 21.52% | 21.98% | 10.06% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 21.43% | 21.43% | 21.89% | 10.03% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 21.31% | 21.31% | 21.74% | 9.84% | 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 Texas Bank (this bank) | Risk-based | 23.25% | 23.25% | 23.63% | 10.14% | |
| Community Point Bank | $259.7M | Risk-based | 9.97% | 9.97% | 11.19% | 8.20% |
| Bank of Hindman | $259.7M | Risk-based | 15.95% | 15.95% | 16.93% | 9.19% |
| Petit Jean State Bank | $260.0M | CBLR | NA | NA | NA | 16.93% |
| Commercial State Bank of Wagner | $260.4M | CBLR | NA | NA | NA | 11.82% |
| Community First Bank | $258.9M | Risk-based | 11.83% | 11.83% | 13.09% | 8.57% |
| Liberty Bank | $258.6M | CBLR | NA | NA | NA | 11.30% |
| First Bank of Central Ohio | $260.9M | CBLR | NA | NA | NA | 9.86% |
| Marathon Bank | $261.1M | CBLR | NA | NA | NA | 15.34% |
| Peer 25th percentile | 10.90% | 10.90% | 12.14% | 9.04% | ||
| Peer median | 11.83% | 11.83% | 13.09% | 10.58% | ||
| Peer 75th percentile | 13.89% | 13.89% | 15.01% | 12.70% | ||
| This bank's percentile | 100 | 100 | 100 | 50 |
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/875758/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.