Lone Star 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.90 percentage points higher than in Q1 2026, at 11.69%. Lone Star National Bank ranks 63rd of 184 Texas banks on CET1 ratio, in the upper half at 20.01% (Q2 2026). Lone Star National Bank reported 20.01% on CET1 ratio for Q2 2026, 6.53 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 | 20.01% |
| Tier 1 risk-based capital ratio | 20.01% |
| Total risk-based capital ratio | 21.09% |
| Tier 1 leverage ratio | 12.87% |
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 | $435.7M |
| Tier 1 capital | $435.7M |
| Total risk-based capital | $459.3M |
| Total equity capital | $383.7M |
| Risk-weighted assets | $2.18B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.69% |
| Tangible equity to tangible assets | 11.69% |
| Equity capital to average assets | 11.33% |
| Internal capital growth rate | 13.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $72.2M |
| Common stock surplus | $77.5M |
| Retained earnings | $286.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$52.0M |
| 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 | 20.78% | 20.78% | 22.03% | 12.63% | $1.76B |
| Q4 2023 | 20.58% | 20.58% | 21.83% | 12.84% | $1.81B |
| Q1 2024 | 20.88% | 20.88% | 22.13% | 12.79% | $1.82B |
| Q2 2024 | 20.90% | 20.90% | 22.15% | 12.62% | $1.85B |
| Q3 2024 | 20.78% | 20.78% | 22.01% | 13.08% | $1.90B |
| Q4 2024 | 20.17% | 20.17% | 21.37% | 12.31% | $1.93B |
| Q1 2025 | 21.33% | 21.33% | 22.51% | 12.74% | $1.95B |
| Q2 2025 | 19.31% | 19.31% | 20.44% | 11.84% | $2.02B |
| Q3 2025 | 19.42% | 19.42% | 20.56% | 12.29% | $2.06B |
| Q4 2025 | 19.74% | 19.74% | 20.88% | 12.49% | $2.09B |
| Q1 2026 | 19.90% | 19.90% | 21.03% | 12.58% | $2.13B |
| Q2 2026 | 20.01% | 20.01% | 21.09% | 12.87% | $2.18B |
Lone Star National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lone Star 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 Lone Star National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24347) · FFIEC NIC profile (RSSD 842460)