First Texoma National 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.6% to -$3.9M.
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 | 11.60% |
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 | $26.1M |
| Tier 1 capital | $26.1M |
| Total risk-based capital | — |
| Total equity capital | $22.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.05% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 10.05% |
| Internal capital growth rate | 10.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $7.4M |
| Retained earnings | $18.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.9M |
| 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 | 16.86% | 16.86% | 18.11% | 11.36% | $149.0M |
| Q4 2023 | 16.62% | 16.62% | 17.87% | 11.29% | $147.4M |
| Q1 2024 | 17.10% | 17.10% | 18.35% | 11.51% | $146.2M |
| Q2 2024 | — | — | — | 11.51% | — |
| Q3 2024 | — | — | — | 11.48% | — |
| Q4 2024 | — | — | — | 11.05% | — |
| Q1 2025 | — | — | — | 11.43% | — |
| Q2 2025 | 16.71% | 16.71% | 17.96% | 11.47% | $153.9M |
| Q3 2025 | — | — | — | 11.91% | — |
| Q4 2025 | — | — | — | 11.13% | — |
| Q1 2026 | — | — | — | 11.52% | — |
| Q2 2026 | — | — | — | 11.60% | — |
First Texoma National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texoma National 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 Texoma National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13905) · FFIEC NIC profile (RSSD 388155)