Lexicon 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 19.1% in Q2 2026, from $8.1M to $9.6M. It was the largest change from Q1 2026 among the key lines here. Lexicon Bank ranks 4th of 7 Nevada banks on CET1 ratio, in the lower half at 20.96% (Q2 2026). Lexicon Bank reported 20.96% on CET1 ratio for Q2 2026, 5.88 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.96% |
| Tier 1 risk-based capital ratio | 20.96% |
| Total risk-based capital ratio | 22.22% |
| Tier 1 leverage ratio | 9.77% |
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 | $44.4M |
| Tier 1 capital | $44.4M |
| Total risk-based capital | $47.1M |
| Total equity capital | $43.2M |
| Risk-weighted assets | $212.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.67% |
| Tangible equity to tangible assets | 9.64% |
| Equity capital to average assets | 9.48% |
| Internal capital growth rate | 14.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $26K |
| Common stock surplus | $34.9M |
| Retained earnings | $9.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | — | — | — | 11.10% | — |
| Q4 2023 | — | — | — | 10.99% | — |
| Q1 2024 | — | — | — | 10.92% | — |
| Q2 2024 | — | — | — | 9.84% | — |
| Q3 2024 | — | — | — | 10.06% | — |
| Q4 2024 | — | — | — | 10.45% | — |
| Q1 2025 | 16.28% | 16.28% | 17.53% | 9.34% | $189.7M |
| Q2 2025 | 16.97% | 16.97% | 18.23% | 8.39% | $188.7M |
| Q3 2025 | 19.81% | 19.81% | 21.07% | 8.96% | $203.7M |
| Q4 2025 | 20.20% | 20.20% | 21.45% | 9.18% | $206.8M |
| Q1 2026 | 20.14% | 20.14% | 21.39% | 9.72% | $214.0M |
| Q2 2026 | 20.96% | 20.96% | 22.22% | 9.77% | $212.0M |
Lexicon Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lexicon 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 Lexicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59117) · FFIEC NIC profile (RSSD 5412457)