Incommons Bank, N.A.: 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%.
Compared with Q1 2026, Total risk-based capital ratio rose 1.14 percentage points in Q2 2026 to 16.23%, the biggest move on this page. Incommons Bank, N.A. ranks 122nd of 184 Texas banks on CET1 ratio, in the lower half at 15.01% (Q2 2026). At 15.01%, Incommons Bank, N.A.'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 | 15.01% |
| Tier 1 risk-based capital ratio | 15.01% |
| Total risk-based capital ratio | 16.23% |
| Tier 1 leverage ratio | 10.20% |
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 | $28.4M |
| Tier 1 capital | $28.4M |
| Total risk-based capital | $30.8M |
| Total equity capital | $25.4M |
| Risk-weighted assets | $189.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.15% |
| Tangible equity to tangible assets | 9.15% |
| Equity capital to average assets | 9.11% |
| Internal capital growth rate | 17.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $8.0M |
| Retained earnings | $20.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 12.60% | 12.60% | 13.85% | 8.66% | $170.8M |
| Q4 2023 | 12.45% | 12.45% | 13.70% | 8.69% | $175.0M |
| Q1 2024 | 12.33% | 12.33% | 13.58% | 8.72% | $182.0M |
| Q2 2024 | 12.32% | 12.32% | 13.57% | 8.72% | $184.5M |
| Q3 2024 | 13.77% | 13.77% | 15.02% | 8.99% | $170.5M |
| Q4 2024 | 13.75% | 13.75% | 15.00% | 9.15% | $170.1M |
| Q1 2025 | 13.34% | 13.34% | 14.59% | 9.41% | $178.7M |
| Q2 2025 | 12.98% | 12.98% | 14.23% | 9.32% | $186.9M |
| Q3 2025 | 12.77% | 12.77% | 13.93% | 9.37% | $198.2M |
| Q4 2025 | 13.14% | 13.14% | 14.31% | 9.53% | $199.5M |
| Q1 2026 | 13.91% | 13.91% | 15.09% | 9.85% | $196.9M |
| Q2 2026 | 15.01% | 15.01% | 16.23% | 10.20% | $189.4M |
Incommons Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Incommons Bank, N.A., 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 Incommons Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3342) · FFIEC NIC profile (RSSD 414858)