FirstBank Southwest: 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%.
Total risk-based capital ratio rose 0.65 percentage points from Q1 2026 to Q2 2026, ending at 15.13% against 14.47%. It was the largest change among the key lines on this page. FirstBank Southwest ranks 140th of 184 Texas banks on CET1 ratio, in the lower half at 14.03% (Q2 2026). FirstBank Southwest reported 14.03% on CET1 ratio for Q2 2026, 0.55 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.03% |
| Tier 1 risk-based capital ratio | 14.03% |
| Total risk-based capital ratio | 15.13% |
| Tier 1 leverage ratio | 11.16% |
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 | $212.6M |
| Tier 1 capital | $212.6M |
| Total risk-based capital | $229.3M |
| Total equity capital | $178.4M |
| Risk-weighted assets | $1.52B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.51% |
| Tangible equity to tangible assets | 9.36% |
| Equity capital to average assets | 9.35% |
| Internal capital growth rate | 8.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $80.8M |
| Retained earnings | $133.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37.1M |
| 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 | 11.73% | 11.73% | 12.72% | 9.80% | $1.49B |
| Q4 2023 | 12.25% | 12.25% | 13.27% | 10.06% | $1.50B |
| Q1 2024 | 12.30% | 12.30% | 13.31% | 10.37% | $1.53B |
| Q2 2024 | 12.24% | 12.24% | 13.27% | 10.49% | $1.57B |
| Q3 2024 | 12.73% | 12.73% | 13.76% | 10.68% | $1.54B |
| Q4 2024 | 12.36% | 12.36% | 13.39% | 10.45% | $1.57B |
| Q1 2025 | 12.44% | 12.44% | 13.48% | 10.41% | $1.59B |
| Q2 2025 | 12.87% | 12.87% | 13.91% | 10.63% | $1.58B |
| Q3 2025 | 13.33% | 13.33% | 14.41% | 10.92% | $1.56B |
| Q4 2025 | 13.15% | 13.15% | 14.21% | 10.97% | $1.56B |
| Q1 2026 | 13.39% | 13.39% | 14.47% | 11.03% | $1.56B |
| Q2 2026 | 14.03% | 14.03% | 15.13% | 11.16% | $1.52B |
FirstBank Southwest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank Southwest, 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 FirstBank Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3387) · FFIEC NIC profile (RSSD 840363)