Grandview 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%.
Retained earnings rose 5.3% from Q1 2026 to Q2 2026, ending at $84.6M against $80.3M. It was the largest change among the key lines on this page. Within Texas, Grandview Bank is 70th of 184 on CET1 ratio, 19.00% as of Q2 2026, above the middle of the field. Grandview Bank reported 19.00% on CET1 ratio for Q2 2026, 3.93 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.00% |
| Tier 1 risk-based capital ratio | 19.00% |
| Total risk-based capital ratio | 20.26% |
| Tier 1 leverage ratio | 12.35% |
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 | $87.8M |
| Tier 1 capital | $87.8M |
| Total risk-based capital | $93.7M |
| Total equity capital | $85.4M |
| Risk-weighted assets | $462.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.71% |
| Tangible equity to tangible assets | 11.63% |
| Equity capital to average assets | 12.00% |
| Internal capital growth rate | 21.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $555K |
| Common stock surplus | $3.2M |
| Retained earnings | $84.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 15.12% | 15.12% | 16.37% | 8.76% | $297.2M |
| Q4 2023 | 15.36% | 15.36% | 16.62% | 7.90% | $310.2M |
| Q1 2024 | 15.73% | 15.73% | 16.99% | 8.41% | $331.3M |
| Q2 2024 | 16.21% | 16.21% | 17.46% | 8.85% | $341.3M |
| Q3 2024 | 15.99% | 15.99% | 17.24% | 9.41% | $383.1M |
| Q4 2024 | 16.06% | 16.06% | 17.31% | 9.81% | $401.8M |
| Q1 2025 | 17.26% | 17.26% | 18.51% | 10.14% | $392.8M |
| Q2 2025 | 17.15% | 17.15% | 18.41% | 10.36% | $416.4M |
| Q3 2025 | 17.54% | 17.54% | 18.80% | 10.65% | $428.9M |
| Q4 2025 | 17.31% | 17.31% | 18.56% | 11.15% | $457.7M |
| Q1 2026 | 18.26% | 18.26% | 19.52% | 11.89% | $457.6M |
| Q2 2026 | 19.00% | 19.00% | 20.26% | 12.35% | $462.3M |
Grandview Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grandview 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 Grandview Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3230) · FFIEC NIC profile (RSSD 333856)