Herring 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets fell 0.58 percentage points from Q1 2026 to Q2 2026, ending at 10.84% against 11.41%. It was the largest change among the key lines on this page. Herring Bank ranks 83rd of 184 Texas banks on CET1 ratio, in the upper half at 17.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Herring Bank sits 2.36 points higher, at 17.45% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.45% |
| Tier 1 risk-based capital ratio | 17.45% |
| Total risk-based capital ratio | 18.47% |
| Tier 1 leverage ratio | 12.20% |
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 | $65.4M |
| Tier 1 capital | $65.4M |
| Total risk-based capital | $69.3M |
| Total equity capital | $58.6M |
| Risk-weighted assets | $375.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.84% |
| Tangible equity to tangible assets | 10.84% |
| Equity capital to average assets | 10.84% |
| Internal capital growth rate | -1.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $40.3M |
| Retained earnings | $24.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | 15.70% | 15.70% | 16.53% | 12.56% | $388.7M |
| Q4 2023 | 16.07% | 16.07% | 16.89% | 12.89% | $388.5M |
| Q1 2024 | 16.05% | 16.05% | 16.88% | 12.79% | $393.9M |
| Q2 2024 | 16.60% | 16.60% | 17.44% | 12.87% | $383.6M |
| Q3 2024 | 16.52% | 16.52% | 17.38% | 12.76% | $383.7M |
| Q4 2024 | 16.66% | 16.66% | 17.51% | 12.54% | $376.9M |
| Q1 2025 | 17.48% | 17.48% | 18.35% | 12.64% | $362.1M |
| Q2 2025 | 17.58% | 17.58% | 18.45% | 12.91% | $369.3M |
| Q3 2025 | 17.48% | 17.48% | 18.36% | 12.80% | $377.7M |
| Q4 2025 | 17.20% | 17.20% | 18.19% | 12.70% | $378.2M |
| Q1 2026 | 17.57% | 17.57% | 18.54% | 12.78% | $373.8M |
| Q2 2026 | 17.45% | 17.45% | 18.47% | 12.20% | $375.1M |
Herring Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Herring 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 Herring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5568) · FFIEC NIC profile (RSSD 610164)