Pavillion 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 Risk-weighted assets, which rose 4.1% to $58.1M. Within Texas, Pavillion Bank is 53rd of 184 on CET1 ratio, 20.69% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Pavillion Bank sits 1.12 points higher, at 20.69% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.69% |
| Tier 1 risk-based capital ratio | 20.69% |
| Total risk-based capital ratio | 21.94% |
| Tier 1 leverage ratio | 15.54% |
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 | $12.0M |
| Tier 1 capital | $12.0M |
| Total risk-based capital | $12.8M |
| Total equity capital | $12.0M |
| Risk-weighted assets | $58.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.34% |
| Tangible equity to tangible assets | 15.34% |
| Equity capital to average assets | 15.54% |
| Internal capital growth rate | 2.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $4.0M |
| Retained earnings | $6.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 21.40% | 21.40% | 22.65% | 14.93% | $50.6M |
| Q4 2023 | 20.50% | 20.50% | 21.75% | 15.80% | $53.8M |
| Q1 2024 | 20.92% | 20.92% | 22.17% | 15.96% | $53.7M |
| Q2 2024 | 22.70% | 22.70% | 23.95% | 16.25% | $50.1M |
| Q3 2024 | 23.45% | 23.45% | 24.70% | 16.10% | $49.0M |
| Q4 2024 | 22.15% | 22.15% | 23.40% | 16.15% | $51.9M |
| Q1 2025 | 21.29% | 21.29% | 22.54% | 16.32% | $54.4M |
| Q2 2025 | 22.52% | 22.52% | 23.77% | 16.18% | $51.9M |
| Q3 2025 | 21.33% | 21.33% | 22.58% | 16.05% | $55.1M |
| Q4 2025 | 21.91% | 21.91% | 23.16% | 15.71% | $54.4M |
| Q1 2026 | 21.42% | 21.42% | 22.67% | 15.82% | $55.8M |
| Q2 2026 | 20.69% | 20.69% | 21.94% | 15.54% | $58.1M |
Pavillion Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pavillion 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 Pavillion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24303) · FFIEC NIC profile (RSSD 500658)