PlainsCapital 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%.
Compared with Q1 2026, Risk-weighted assets rose 2.6% in Q2 2026 to $9.44B, the biggest move on this page. PlainsCapital Bank has the 18th lowest CET1 ratio of the 184 banks headquartered in Texas, at 12.50% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. PlainsCapital Bank sits 0.46 points lower, at 12.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.50% |
| Tier 1 risk-based capital ratio | 12.50% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 9.73% |
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 | $1.18B |
| Tier 1 capital | $1.18B |
| Total risk-based capital | $1.27B |
| Total equity capital | $1.36B |
| Risk-weighted assets | $9.44B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.75% |
| Tangible equity to tangible assets | 8.84% |
| Equity capital to average assets | 11.00% |
| Internal capital growth rate | 2.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.9M |
| Common stock surplus | $990.0M |
| Retained earnings | $445.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$81.1M |
| 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 | 15.31% | 15.31% | 16.45% | 10.62% | $9.40B |
| Q4 2023 | 15.44% | 15.44% | 16.58% | 10.55% | $9.12B |
| Q1 2024 | 15.87% | 15.87% | 17.06% | 11.00% | $9.02B |
| Q2 2024 | 15.58% | 15.58% | 16.77% | 11.36% | $9.19B |
| Q3 2024 | 14.94% | 14.94% | 16.13% | 10.34% | $8.78B |
| Q4 2024 | 15.35% | 15.35% | 16.54% | 9.99% | $8.59B |
| Q1 2025 | 15.06% | 15.06% | 16.31% | 10.22% | $8.68B |
| Q2 2025 | 15.08% | 15.08% | 16.29% | 10.71% | $8.84B |
| Q3 2025 | 14.81% | 14.81% | 15.96% | 10.74% | $8.93B |
| Q4 2025 | 14.49% | 14.49% | 15.60% | 10.60% | $9.11B |
| Q1 2026 | 12.71% | 12.71% | 13.77% | 9.54% | $9.20B |
| Q2 2026 | 12.50% | 12.50% | 13.47% | 9.73% | $9.44B |
PlainsCapital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock PlainsCapital 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 PlainsCapital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17491) · FFIEC NIC profile (RSSD 637451)