Golden Bank, N.A.: 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 rose 4.0% to -$3.2M. Golden Bank, N.A. ranks 111th of 184 Texas banks on CET1 ratio, in the lower half at 15.60% (Q2 2026). Golden Bank, N.A. reported 15.60% on CET1 ratio for Q2 2026, 2.12 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 | 15.60% |
| Tier 1 risk-based capital ratio | 15.60% |
| Total risk-based capital ratio | 16.85% |
| Tier 1 leverage ratio | 13.74% |
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 | $311.3M |
| Tier 1 capital | $311.3M |
| Total risk-based capital | $336.2M |
| Total equity capital | $308.8M |
| Risk-weighted assets | $2.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.56% |
| Tangible equity to tangible assets | 13.53% |
| Equity capital to average assets | 13.63% |
| Internal capital growth rate | 12.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $12.5M |
| Retained earnings | $294.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 | 14.39% | 14.39% | 15.58% | 13.39% | $1.53B |
| Q4 2023 | 14.41% | 14.41% | 15.62% | 13.14% | $1.58B |
| Q1 2024 | 14.44% | 14.44% | 15.66% | 12.90% | $1.62B |
| Q2 2024 | 14.39% | 14.39% | 15.59% | 12.76% | $1.68B |
| Q3 2024 | 14.94% | 14.94% | 16.16% | 12.78% | $1.67B |
| Q4 2024 | 14.75% | 14.75% | 15.97% | 12.99% | $1.76B |
| Q1 2025 | 14.83% | 14.83% | 16.06% | 12.98% | $1.80B |
| Q2 2025 | 15.13% | 15.13% | 16.38% | 12.75% | $1.82B |
| Q3 2025 | 15.08% | 15.08% | 16.33% | 12.75% | $1.89B |
| Q4 2025 | 15.11% | 15.11% | 16.36% | 13.37% | $1.94B |
| Q1 2026 | 15.25% | 15.25% | 16.50% | 13.43% | $1.98B |
| Q2 2026 | 15.60% | 15.60% | 16.85% | 13.74% | $2.00B |
Golden Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Bank, N.A., 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 Golden Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26223) · FFIEC NIC profile (RSSD 536059)