Homebank Texas: 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 standout move of Q2 2026 was in Risk-weighted assets: 10.9% higher than in Q1 2026, at $306.9M. Within Texas, Homebank Texas is 118th of 184 on CET1 ratio, 15.19% as of Q2 2026, below the middle of the field. At 15.19%, Homebank Texas's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.19% |
| Tier 1 risk-based capital ratio | 15.19% |
| Total risk-based capital ratio | 16.37% |
| Tier 1 leverage ratio | 11.59% |
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 | $46.6M |
| Tier 1 capital | $46.6M |
| Total risk-based capital | $50.2M |
| Total equity capital | $45.5M |
| Risk-weighted assets | $306.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.28% |
| Tangible equity to tangible assets | 11.12% |
| Equity capital to average assets | 11.36% |
| Internal capital growth rate | 8.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $7.1M |
| Retained earnings | $38.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 15.01% | 15.01% | 16.26% | 11.28% | $237.4M |
| Q4 2023 | 14.87% | 14.87% | 16.13% | 11.35% | $244.2M |
| Q1 2024 | 16.00% | 16.00% | 17.25% | 11.52% | $233.2M |
| Q2 2024 | 15.94% | 15.94% | 17.20% | 11.97% | $241.7M |
| Q3 2024 | 16.60% | 16.60% | 17.86% | 11.97% | $239.6M |
| Q4 2024 | 16.47% | 16.47% | 17.73% | 11.76% | $244.8M |
| Q1 2025 | 15.61% | 15.61% | 16.86% | 11.88% | $263.3M |
| Q2 2025 | 15.66% | 15.66% | 16.86% | 12.00% | $270.4M |
| Q3 2025 | 16.36% | 16.36% | 17.62% | 12.30% | $265.8M |
| Q4 2025 | 15.53% | 15.53% | 16.78% | 11.80% | $287.0M |
| Q1 2026 | 16.49% | 16.49% | 17.75% | 11.56% | $276.7M |
| Q2 2026 | 15.19% | 15.19% | 16.37% | 11.59% | $306.9M |
Homebank Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Homebank Texas, 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 Homebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17094) · FFIEC NIC profile (RSSD 522669)