Kleberg 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, Accumulated other comprehensive income fell 2.5% in Q2 2026 to -$14.5M, the biggest move on this page. Within Texas, Kleberg Bank, N.A. is 160th of 184 on CET1 ratio, 12.91% as of Q2 2026, below the middle of the field. Kleberg Bank, N.A. reported 12.91% on CET1 ratio for Q2 2026, 2.17 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.91% |
| Tier 1 risk-based capital ratio | 12.91% |
| Total risk-based capital ratio | 14.14% |
| Tier 1 leverage ratio | 9.45% |
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 | $69.5M |
| Tier 1 capital | $69.5M |
| Total risk-based capital | $76.2M |
| Total equity capital | $73.1M |
| Risk-weighted assets | $538.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.92% |
| Tangible equity to tangible assets | 7.66% |
| Equity capital to average assets | 9.70% |
| Internal capital growth rate | 6.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $33.0M |
| Retained earnings | $53.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.5M |
| 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 | 14.23% | 14.23% | 15.44% | 8.66% | $438.6M |
| Q4 2023 | 14.21% | 14.21% | 15.40% | 8.85% | $451.2M |
| Q1 2024 | 14.17% | 14.17% | 15.36% | 9.08% | $464.6M |
| Q2 2024 | 13.84% | 13.84% | 15.03% | 9.16% | $469.6M |
| Q3 2024 | 13.69% | 13.69% | 14.86% | 9.40% | $482.7M |
| Q4 2024 | 13.27% | 13.27% | 14.48% | 9.67% | $507.0M |
| Q1 2025 | 13.13% | 13.13% | 14.32% | 9.53% | $520.5M |
| Q2 2025 | 12.96% | 12.96% | 14.20% | 9.28% | $518.2M |
| Q3 2025 | 13.20% | 13.20% | 14.44% | 9.59% | $519.0M |
| Q4 2025 | 13.13% | 13.13% | 14.35% | 9.56% | $525.4M |
| Q1 2026 | 12.82% | 12.82% | 14.05% | 9.30% | $532.5M |
| Q2 2026 | 12.91% | 12.91% | 14.14% | 9.45% | $538.7M |
Kleberg Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kleberg 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 Kleberg Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3286) · FFIEC NIC profile (RSSD 556459)