The National Bank of Andrews: 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, Retained earnings rose 2.8% in Q2 2026 to $24.0M, the biggest move on this page. Within Texas, The National Bank of Andrews is 152nd of 184 on CET1 ratio, 13.19% as of Q2 2026, below the middle of the field. The National Bank of Andrews reported 13.19% on CET1 ratio for Q2 2026, 1.88 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.19% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 14.44% |
| Tier 1 leverage ratio | 10.11% |
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 | $34.4M |
| Tier 1 capital | $34.4M |
| Total risk-based capital | $37.6M |
| Total equity capital | $33.6M |
| Risk-weighted assets | $260.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.86% |
| Tangible equity to tangible assets | 9.75% |
| Equity capital to average assets | 9.87% |
| Internal capital growth rate | 8.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $8.7M |
| Retained earnings | $24.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 13.09% | 13.09% | 14.35% | 10.35% | $227.8M |
| Q4 2023 | 13.02% | 13.02% | 14.28% | 9.91% | $226.7M |
| Q1 2024 | 14.03% | 14.03% | 15.28% | 10.73% | $226.0M |
| Q2 2024 | 13.51% | 13.51% | 14.76% | 11.17% | $238.9M |
| Q3 2024 | 13.62% | 13.62% | 14.87% | 11.17% | $239.4M |
| Q4 2024 | 12.76% | 12.76% | 14.01% | 10.47% | $241.4M |
| Q1 2025 | 13.55% | 13.55% | 14.80% | 11.39% | $244.2M |
| Q2 2025 | 13.59% | 13.59% | 14.85% | 11.79% | $245.1M |
| Q3 2025 | 13.21% | 13.21% | 14.47% | 11.20% | $252.8M |
| Q4 2025 | 12.21% | 12.21% | 13.46% | 9.89% | $256.9M |
| Q1 2026 | 12.89% | 12.89% | 14.14% | 10.15% | $261.4M |
| Q2 2026 | 13.19% | 13.19% | 14.44% | 10.11% | $260.5M |
The National Bank of Andrews regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Andrews, 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 National Bank of Andrews profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17603) · FFIEC NIC profile (RSSD 488653)