Houston Bank & Trust: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
On its Q3 2026 filing, Houston Bank & Trust reported 14 of the 19 line items on this page. It did not report total risk-based capital and risk-weighted assets. It elected the community bank leverage ratio, so it files no common equity Tier 1 ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 83.04% in Q3 2026.
Equity capital to total assets dropped 20.23 percentage points in Q3 2026, from 93.01% to 72.77%. It was the largest change from Q2 2026 among the key lines here.
Risk-based capital ratios
Tier 1 leverage ratio moved most in this table, down 9.97 points: 93.01% in Q2 2026, 83.04% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 83.04% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Common equity Tier 1 capital moved most in this table, up 2.2%: $35.9M in Q2 2026, $36.6M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $36.6M |
| Tier 1 capital | $36.6M |
| Total risk-based capital | — |
| Total equity capital | $36.6M |
| Risk-weighted assets | — |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 72.77% |
| Tangible equity to tangible assets | 72.77% |
| Equity capital to average assets | 83.04% |
| Internal capital growth rate | -27.99% |
Capital structure
Common stock surplus moved most in this table, up 7.1%: $46.0M in Q2 2026, $49.3M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $49K |
| Common stock surplus | $49.3M |
| Retained earnings | -$12.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q2 2026 | 93.01% | 93.01% | 93.01% |
| Q3 2026 | 83.04% | 72.77% | 72.77% |
Houston Bank & Trust capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Houston Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 59360) · FFIEC NIC profile (RSSD 6051022)