Inwood National Bank: 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%.
Equity capital to total assets rose 0.54 percentage points from Q1 2026 to Q2 2026, ending at 11.64% against 11.09%. It was the largest change among the key lines on this page. Inwood National Bank ranks 103rd of 184 Texas banks on CET1 ratio, in the lower half at 16.18% (Q2 2026). Inwood National Bank reported 16.18% on CET1 ratio for Q2 2026, 2.70 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.18% |
| Tier 1 risk-based capital ratio | 16.18% |
| Total risk-based capital ratio | 16.98% |
| Tier 1 leverage ratio | 10.79% |
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 | $465.2M |
| Tier 1 capital | $465.2M |
| Total risk-based capital | $488.3M |
| Total equity capital | $495.7M |
| Risk-weighted assets | $2.88B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.64% |
| Tangible equity to tangible assets | 11.00% |
| Equity capital to average assets | 11.42% |
| Internal capital growth rate | 2.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $787K |
| Common stock surplus | $47.3M |
| Retained earnings | $447.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 13.24% | 13.24% | 14.00% | 9.24% | $3.01B |
| Q4 2023 | 13.55% | 13.55% | 14.32% | 9.28% | $2.99B |
| Q1 2024 | 13.65% | 13.65% | 14.43% | 9.43% | $2.98B |
| Q2 2024 | 13.72% | 13.72% | 14.49% | 9.18% | $2.98B |
| Q3 2024 | 13.86% | 13.86% | 14.62% | 9.04% | $2.99B |
| Q4 2024 | 14.52% | 14.52% | 15.30% | 9.24% | $2.93B |
| Q1 2025 | 15.13% | 15.13% | 15.93% | 9.80% | $2.85B |
| Q2 2025 | 15.04% | 15.04% | 15.84% | 10.16% | $2.86B |
| Q3 2025 | 15.40% | 15.40% | 16.20% | 10.07% | $2.85B |
| Q4 2025 | 15.10% | 15.10% | 15.86% | 10.16% | $3.00B |
| Q1 2026 | 15.92% | 15.92% | 16.72% | 10.52% | $2.90B |
| Q2 2026 | 16.18% | 16.18% | 16.98% | 10.79% | $2.88B |
Inwood National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Inwood National Bank, 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 Inwood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19080) · FFIEC NIC profile (RSSD 913753)