Guadalupe 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 Risk-weighted assets, which rose 6.2% to $198.5M. Within Texas, Guadalupe Bank is 162nd of 184 on CET1 ratio, 12.80% as of Q2 2026, below the middle of the field. Guadalupe Bank reported 12.80% on CET1 ratio for Q2 2026, 2.27 points below 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 | 12.80% |
| Tier 1 risk-based capital ratio | 12.80% |
| Total risk-based capital ratio | 13.94% |
| Tier 1 leverage ratio | 9.93% |
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 | $25.4M |
| Tier 1 capital | $25.4M |
| Total risk-based capital | $27.7M |
| Total equity capital | $25.4M |
| Risk-weighted assets | $198.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.73% |
| Tangible equity to tangible assets | 9.73% |
| Equity capital to average assets | 9.93% |
| Internal capital growth rate | 1.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $6.5M |
| Retained earnings | $15.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| 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 | 12.06% | 12.06% | 13.15% | 8.70% | $188.8M |
| Q4 2023 | 11.36% | 11.36% | 12.44% | 8.26% | $188.9M |
| Q1 2024 | 12.04% | 12.04% | 13.12% | 8.96% | $187.6M |
| Q2 2024 | 11.55% | 11.55% | 12.63% | 8.72% | $189.4M |
| Q3 2024 | 11.86% | 11.86% | 12.95% | 8.70% | $185.6M |
| Q4 2024 | 12.45% | 12.45% | 13.59% | 9.08% | $177.5M |
| Q1 2025 | 13.69% | 13.69% | 14.88% | 9.94% | $170.7M |
| Q2 2025 | 13.77% | 13.77% | 14.95% | 9.97% | $171.6M |
| Q3 2025 | 14.15% | 14.15% | 15.37% | 10.07% | $170.6M |
| Q4 2025 | 13.91% | 13.91% | 15.09% | 10.02% | $175.3M |
| Q1 2026 | 13.55% | 13.55% | 14.65% | 10.21% | $186.9M |
| Q2 2026 | 12.80% | 12.80% | 13.94% | 9.93% | $198.5M |
Guadalupe Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Guadalupe 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 Guadalupe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58768) · FFIEC NIC profile (RSSD 3635551)