Houston Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 93.01% +84.01 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $35.9M | 35,851 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $38.5M | 38,547 | RCOAA224 |
| Recomputed ratio | 93.01% | numerator / denominator | |
| Filed ratio | 93.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +84.01 pp | $32.4M | 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 | Source |
|---|---|---|
| Common stock plus related surplus, net of treasury stock | 46,088 | RCOAP742 |
| Retained earnings | (10,237) | RCOAKW00 |
| Accumulated other comprehensive income | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 35,851 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 35,851 | RCOAP859 |
| Additional Tier 1 capital | 0 | RCOAP865 |
| Tier 1 capital | 35,851 | RCOA8274 |
| Tier 2 capital | NA | |
| Allowance includable in Tier 2 capital | NA | |
| Total capital | NA | |
| Average total assets for the leverage ratio | 38,547 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
1 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 | CBLR | NA | NA | NA | 93.01% | 22.08% | 22.08% | 23.06% | 13.06% |
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 |
|---|---|---|---|---|---|---|
| Houston Bank & Trust (this bank) | CBLR | NA | NA | NA | 93.01% | |
| Peoples State Bank, Fairmount, North Dakota | $38.5M | Risk-based | 11.38% | 11.38% | 12.25% | 8.38% |
| 2UNIFI Bank | $38.5M | Risk-based | 140.71% | 140.71% | 141.20% | 38.37% |
| Tucumcari Federal Savings & Loan Association | $38.4M | CBLR | NA | NA | NA | 15.22% |
| Cottonwood Valley Bank | $38.1M | CBLR | NA | NA | NA | 14.39% |
| The First National Bank at Saint James | $37.9M | Risk-based | 15.51% | 15.51% | 16.77% | 8.68% |
| Farmers State Bank of Emden | $37.8M | Risk-based | 57.40% | 57.40% | 57.97% | 29.58% |
| Kingstree Federal Savings and Loan Association | $39.3M | CBLR | NA | NA | NA | 13.91% |
| State Bank of Nauvoo | $37.7M | Risk-based | 15.77% | 15.77% | 16.68% | 8.31% |
| Avana Bank | $39.6M | CBLR | NA | NA | NA | 17.52% |
| Bank of Mead | $39.7M | CBLR | NA | NA | NA | 10.13% |
| Peer 25th percentile | 15.51% | 15.51% | 16.68% | 9.04% | ||
| Peer median | 15.77% | 15.77% | 16.77% | 14.15% | ||
| Peer 75th percentile | 57.40% | 57.40% | 57.97% | 16.95% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/6051022/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.