Homebank Texas: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.37% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.37% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.19% +8.69 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $46.6M | 46,618 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $306.9M | 306,879 | RCOAA223 |
| Recomputed ratio | 15.19% | numerator / denominator | |
| Filed ratio | 15.19% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.69 pp | $26.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.19% +7.19 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $46.6M | 46,618 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $306.9M | 306,879 | RCOAA223 |
| Recomputed ratio | 15.19% | numerator / denominator | |
| Filed ratio | 15.19% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.19 pp | $22.1M | capital that could be lost first |
Total risk-based capital ratio 16.37% +6.37 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $50.2M | 50,221 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $306.9M | 306,879 | RCOAA223 |
| Recomputed ratio | 16.37% | numerator / denominator | |
| Filed ratio | 16.37% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.37 pp | $19.5M | capital that could be lost first |
Tier 1 leverage ratio 11.59% +6.59 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $46.6M | 46,618 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $402.3M | 402,314 | RCOAA224 |
| Recomputed ratio | 11.59% | numerator / denominator | |
| Filed ratio | 11.59% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.59 pp | $26.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 8,900 | 8,900 | 8,900 | 8,900 | 8,900 | 8,900 | RCOAP742 |
| Retained earnings | 38,421 | 37,435 | 36,366 | 35,290 | 34,134 | 32,889 | RCOAKW00 |
| Accumulated other comprehensive income | (1,770) | (1,762) | (1,826) | (1,974) | (2,537) | (2,412) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 45,551 | 44,573 | 43,440 | 42,216 | 40,497 | 39,377 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,067 | 1,059 | 1,123 | 1,271 | 1,834 | 1,709 | P859 - P840 |
| Common equity Tier 1 capital | 46,618 | 45,632 | 44,563 | 43,487 | 42,331 | 41,086 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 46,618 | 45,632 | 44,563 | 43,487 | 42,331 | 41,086 | RCOA8274 |
| Tier 2 capital | 3,603 | 3,472 | 3,598 | 3,335 | 3,258 | 3,303 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,603 | 3,472 | 3,598 | 3,335 | 3,258 | 3,303 | RCOA5310 |
| Total capital | 50,221 | 49,104 | 48,161 | 46,822 | 45,589 | 44,389 | RCOA3792 |
| Total risk-weighted assets | 306,879 | 276,664 | 286,997 | 265,753 | 270,369 | 263,282 | RCOAA223 |
| Average total assets for the leverage ratio | 402,314 | 394,751 | 377,666 | 353,684 | 352,713 | 345,928 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $22.5M | $4.5M | 20.00% | 1.46% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $18.3M | $8.1M | 44.37% | 2.64% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $50.7M | $10.1M | 20.00% | 3.29% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $115.8M | $59.6M | 51.45% | 19.34% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $324K | $486K | 150.00% | 0.16% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $184.8M | $184.8M | 100.00% | 60.00% | RC-R Part II, item 4.d, 5.d |
| All other assets | $15.4M | $15.4M | 100.00% | 5.00% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $21.9M | $21.9M | 100.00% | 7.11% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.1M | NA | 1.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $304.9M | does not tie to item 31 ($308.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $308.0M | RCONB704 |
| Less: excess allowance for credit losses | $1.1M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $306.9M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.19% | 15.19% | 16.37% | 11.59% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 16.49% | 16.49% | 17.75% | 11.56% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.53% | 15.53% | 16.78% | 11.80% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.36% | 16.36% | 17.62% | 12.30% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.66% | 15.66% | 16.86% | 12.00% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.61% | 15.61% | 16.86% | 11.88% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.47% | 16.47% | 17.73% | 11.76% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.60% | 16.60% | 17.86% | 11.97% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.94% | 15.94% | 17.20% | 11.97% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.00% | 16.00% | 17.25% | 11.52% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.87% | 14.87% | 16.13% | 11.35% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.01% | 15.01% | 16.26% | 11.28% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Homebank Texas (this bank) | Risk-based | 15.19% | 15.19% | 16.37% | 11.59% | |
| First Citizens Bank | $402.6M | CBLR | NA | NA | NA | 14.30% |
| Hardin County Savings Bank | $402.3M | Risk-based | 13.38% | 13.38% | 14.06% | 9.79% |
| Greenway Bank | $402.3M | Risk-based | 14.33% | 14.33% | 15.21% | 8.50% |
| Crown Bank | $402.0M | Risk-based | 11.04% | 11.04% | 12.19% | 8.43% |
| First State Bank | $402.0M | Risk-based | 16.50% | 16.50% | 16.76% | 11.23% |
| Bankcherokee | $401.9M | Risk-based | 15.52% | 15.52% | 16.77% | 11.01% |
| Forte Bank | $404.5M | Risk-based | 12.96% | 12.96% | 14.10% | 10.56% |
| Anchor D Bank | $404.5M | Risk-based | 12.02% | 12.02% | 12.97% | 10.53% |
| The Security National Bank of Enid | $400.4M | Risk-based | 17.22% | 17.22% | 18.48% | 8.74% |
| Founders Bank | $406.0M | CBLR | NA | NA | NA | 14.18% |
| Peer 25th percentile | 12.73% | 12.73% | 13.78% | 9.00% | ||
| Peer median | 13.86% | 13.86% | 14.66% | 10.55% | ||
| Peer 75th percentile | 15.77% | 15.77% | 16.76% | 11.18% | ||
| This bank's percentile | 62 | 62 | 62 | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/522669/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.