Kress 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%.
Compared with Q1 2026, Equity capital to average assets fell 0.66 percentage points in Q2 2026 to 9.08%, the biggest move on this page. Within Texas, Kress National Bank is 29th of 184 on CET1 ratio, 29.71% as of Q2 2026, above the middle of the field. Against a median of 19.50% for banks in the < $100M asset tier, Kress National Bank reported 29.71% on CET1 ratio in Q2 2026, 10.21 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.71% |
| Tier 1 risk-based capital ratio | 29.71% |
| Total risk-based capital ratio | 30.96% |
| Tier 1 leverage ratio | 9.64% |
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 | $6.3M |
| Tier 1 capital | $6.3M |
| Total risk-based capital | $6.6M |
| Total equity capital | $6.0M |
| Risk-weighted assets | $21.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
| Equity capital to average assets | 9.08% |
| Internal capital growth rate | 7.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $100K |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$369K |
| 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 | 23.29% | 23.29% | 24.54% | 10.49% | $23.9M |
| Q4 2023 | 25.24% | 25.24% | 26.49% | 10.67% | $22.7M |
| Q1 2024 | 24.97% | 24.97% | 26.22% | 10.10% | $22.8M |
| Q2 2024 | 24.10% | 24.10% | 25.35% | 11.16% | $23.9M |
| Q3 2024 | 23.89% | 23.89% | 25.14% | 11.99% | $24.5M |
| Q4 2024 | 24.09% | 24.09% | 25.34% | 12.42% | $24.7M |
| Q1 2025 | 26.53% | 26.53% | 27.79% | 10.91% | $22.3M |
| Q2 2025 | 25.34% | 25.34% | 26.59% | 10.82% | $23.6M |
| Q3 2025 | 24.33% | 24.33% | 25.58% | 10.94% | $25.2M |
| Q4 2025 | 29.16% | 29.16% | 30.42% | 10.82% | $21.6M |
| Q1 2026 | 30.59% | 30.59% | 31.84% | 10.07% | $20.3M |
| Q2 2026 | 29.71% | 29.71% | 30.96% | 9.64% | $21.3M |
Kress National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kress 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 Kress National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18892) · FFIEC NIC profile (RSSD 995955)