Lovelady State 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.58 percentage points to 12.50%. Within Texas, Lovelady State Bank is 46th of 184 on CET1 ratio, 23.40% as of Q2 2026, above the middle of the field. Lovelady State Bank reported 23.40% on CET1 ratio for Q2 2026, 3.84 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.40% |
| Tier 1 risk-based capital ratio | 23.40% |
| Total risk-based capital ratio | 24.56% |
| Tier 1 leverage ratio | 12.84% |
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 | $6.8M |
| Tier 1 capital | $6.8M |
| Total risk-based capital | $7.1M |
| Total equity capital | $6.6M |
| Risk-weighted assets | $29.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.62% |
| Tangible equity to tangible assets | 12.62% |
| Equity capital to average assets | 12.50% |
| Internal capital growth rate | 6.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $220K |
| Common stock surplus | $1.8M |
| Retained earnings | $4.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$178K |
| 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 | 21.59% | 21.59% | 22.83% | 11.91% | $27.8M |
| Q4 2023 | 21.04% | 21.04% | 22.25% | 11.99% | $28.6M |
| Q1 2024 | 22.11% | 22.11% | 23.34% | 12.78% | $28.1M |
| Q2 2024 | 22.82% | 22.82% | 23.97% | 12.94% | $28.1M |
| Q3 2024 | 22.94% | 22.94% | 24.08% | 12.88% | $28.6M |
| Q4 2024 | 21.96% | 21.96% | 23.13% | 11.91% | $28.6M |
| Q1 2025 | 22.05% | 22.05% | 23.18% | 11.87% | $29.4M |
| Q2 2025 | 22.20% | 22.20% | 23.35% | 11.91% | $29.3M |
| Q3 2025 | 22.49% | 22.49% | 23.62% | 12.08% | $29.7M |
| Q4 2025 | 21.87% | 21.87% | 22.99% | 11.80% | $30.0M |
| Q1 2026 | 23.03% | 23.03% | 24.18% | 12.25% | $29.1M |
| Q2 2026 | 23.40% | 23.40% | 24.56% | 12.84% | $29.1M |
Lovelady State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lovelady State 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 Lovelady State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21807) · FFIEC NIC profile (RSSD 764151)