NexBank: 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.
Compared with Q1 2026, Common stock surplus rose 3.6% in Q2 2026 to $721.7M, the biggest move on this page. NexBank ranks 123rd of 184 Texas banks on CET1 ratio, in the lower half at 14.92% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. NexBank sits 1.96 points higher, at 14.92% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.92% |
| Tier 1 risk-based capital ratio | 14.92% |
| Total risk-based capital ratio | 15.39% |
| Tier 1 leverage ratio | 9.07% |
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 | $1.23B |
| Tier 1 capital | $1.23B |
| Total risk-based capital | $1.27B |
| Total equity capital | $1.19B |
| Risk-weighted assets | $8.27B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.43% |
| Tangible equity to tangible assets | 8.42% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | -5.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $721.7M |
| Retained earnings | $514.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$42.5M |
| 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 | 12.67% | 12.67% | 13.17% | 8.05% | $10.04B |
| Q4 2023 | 13.15% | 13.15% | 13.66% | 8.13% | $9.89B |
| Q1 2024 | 13.35% | 13.35% | 13.88% | 8.12% | $9.90B |
| Q2 2024 | 13.70% | 13.70% | 14.15% | 8.59% | $9.78B |
| Q3 2024 | 14.68% | 14.68% | 15.09% | 9.07% | $9.12B |
| Q4 2024 | 14.93% | 14.93% | 15.33% | 9.80% | $9.09B |
| Q1 2025 | 15.40% | 15.40% | 15.81% | 9.80% | $8.78B |
| Q2 2025 | 15.28% | 15.28% | 15.70% | 9.83% | $8.83B |
| Q3 2025 | 15.41% | 15.41% | 15.88% | 9.56% | $8.43B |
| Q4 2025 | 14.62% | 14.62% | 15.10% | 9.27% | $8.56B |
| Q1 2026 | 15.17% | 15.17% | 15.67% | 9.29% | $8.08B |
| Q2 2026 | 14.92% | 14.92% | 15.39% | 9.07% | $8.27B |
NexBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock NexBank, 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 NexBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29209) · FFIEC NIC profile (RSSD 652874)