Pilgrim 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%.
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.
In Q2 2026, Risk-weighted assets edged down by 2.0%, from $516.4M to $506.1M, the largest move among the key lines here. Pilgrim Bank ranks 133rd of 184 Texas banks on CET1 ratio, in the lower half at 14.44% (Q2 2026). Pilgrim Bank reported 14.44% on CET1 ratio for Q2 2026, 0.64 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.44% |
| Tier 1 risk-based capital ratio | 14.44% |
| Total risk-based capital ratio | 15.37% |
| Tier 1 leverage ratio | 10.21% |
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 | $73.1M |
| Tier 1 capital | $73.1M |
| Total risk-based capital | $77.8M |
| Total equity capital | $66.4M |
| Risk-weighted assets | $506.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.30% |
| Tangible equity to tangible assets | 8.20% |
| Equity capital to average assets | 9.18% |
| Internal capital growth rate | -0.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $53.4M |
| Retained earnings | $26.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.2M |
| 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 | 14.64% | 14.64% | 15.42% | 10.32% | $488.7M |
| Q4 2023 | 14.58% | 14.58% | 15.37% | 10.39% | $494.9M |
| Q1 2024 | 14.61% | 14.61% | 15.40% | 10.32% | $498.0M |
| Q2 2024 | 14.77% | 14.77% | 15.56% | 10.26% | $495.1M |
| Q3 2024 | 14.48% | 14.48% | 15.26% | 10.36% | $505.2M |
| Q4 2024 | 13.97% | 13.97% | 14.71% | 10.34% | $523.0M |
| Q1 2025 | 13.69% | 13.69% | 14.41% | 10.24% | $535.2M |
| Q2 2025 | 13.98% | 13.98% | 14.72% | 10.02% | $524.1M |
| Q3 2025 | 14.15% | 14.15% | 14.91% | 10.17% | $518.2M |
| Q4 2025 | 14.09% | 14.09% | 14.87% | 10.03% | $518.9M |
| Q1 2026 | 14.17% | 14.17% | 14.99% | 10.03% | $516.4M |
| Q2 2026 | 14.44% | 14.44% | 15.37% | 10.21% | $506.1M |
Pilgrim Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pilgrim 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 Pilgrim Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16891) · FFIEC NIC profile (RSSD 911160)