The Lamesa 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 total assets rose 0.40 percentage points in Q2 2026 to 11.87%, the biggest move on this page. Among 184 Texas banks, The Lamesa National Bank sits 13th from the top on CET1 ratio, 41.91% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, The Lamesa National Bank reported 41.91% on CET1 ratio in Q2 2026, 26.83 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 41.91% |
| Tier 1 risk-based capital ratio | 41.91% |
| Total risk-based capital ratio | 43.16% |
| Tier 1 leverage ratio | 11.95% |
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 | $52.3M |
| Tier 1 capital | $52.3M |
| Total risk-based capital | $53.9M |
| Total equity capital | $50.7M |
| Risk-weighted assets | $124.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.87% |
| Tangible equity to tangible assets | 11.87% |
| Equity capital to average assets | 11.58% |
| Internal capital growth rate | 7.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $2.0M |
| Retained earnings | $48.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 29.02% | 29.02% | 30.25% | 10.65% | $142.2M |
| Q4 2023 | 26.18% | 26.18% | 27.21% | 10.84% | $159.6M |
| Q1 2024 | 30.23% | 30.23% | 31.41% | 10.57% | $142.0M |
| Q2 2024 | 28.22% | 28.22% | 29.35% | 11.02% | $152.6M |
| Q3 2024 | 21.24% | 21.24% | 22.06% | 11.01% | $206.3M |
| Q4 2024 | 23.43% | 23.43% | 24.31% | 11.19% | $192.2M |
| Q1 2025 | 24.43% | 24.43% | 25.33% | 11.16% | $190.6M |
| Q2 2025 | 28.14% | 28.14% | 29.24% | 11.26% | $167.4M |
| Q3 2025 | 34.86% | 34.86% | 36.11% | 11.33% | $138.7M |
| Q4 2025 | 34.70% | 34.70% | 35.93% | 11.33% | $141.3M |
| Q1 2026 | 41.37% | 41.37% | 42.62% | 11.62% | $124.2M |
| Q2 2026 | 41.91% | 41.91% | 43.16% | 11.95% | $124.8M |
The Lamesa National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lamesa 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 The Lamesa National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3292) · FFIEC NIC profile (RSSD 623052)