Pointbank: 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.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 4.2% to $694.9M. Pointbank ranks 119th of 184 Texas banks on CET1 ratio, in the lower half at 15.10% (Q2 2026). Pointbank reported 15.10% on CET1 ratio for Q2 2026, 1.61 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.10% |
| Tier 1 risk-based capital ratio | 15.10% |
| Total risk-based capital ratio | 16.35% |
| Tier 1 leverage ratio | 8.99% |
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 | $104.9M |
| Tier 1 capital | $104.9M |
| Total risk-based capital | $113.6M |
| Total equity capital | $82.5M |
| Risk-weighted assets | $694.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.10% |
| Tangible equity to tangible assets | 7.10% |
| Equity capital to average assets | 7.07% |
| Internal capital growth rate | 5.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $356K |
| Common stock surplus | $22.5M |
| Retained earnings | $82.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.4M |
| 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 | 13.73% | 13.73% | 14.98% | 8.11% | $620.8M |
| Q4 2023 | 13.68% | 13.68% | 14.89% | 8.41% | $653.3M |
| Q1 2024 | 14.57% | 14.57% | 15.78% | 8.69% | $652.6M |
| Q2 2024 | 14.63% | 14.63% | 15.84% | 8.86% | $657.0M |
| Q3 2024 | 15.20% | 15.20% | 16.43% | 9.33% | $647.2M |
| Q4 2024 | 15.57% | 15.57% | 16.81% | 9.48% | $645.5M |
| Q1 2025 | 15.68% | 15.68% | 16.93% | 9.60% | $648.4M |
| Q2 2025 | 15.50% | 15.50% | 16.75% | 9.56% | $658.8M |
| Q3 2025 | 15.24% | 15.24% | 16.50% | 9.30% | $666.2M |
| Q4 2025 | 15.50% | 15.50% | 16.75% | 9.35% | $666.0M |
| Q1 2026 | 15.57% | 15.57% | 16.82% | 9.17% | $666.8M |
| Q2 2026 | 15.10% | 15.10% | 16.35% | 8.99% | $694.9M |
Pointbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pointbank, 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 Pointbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3389) · FFIEC NIC profile (RSSD 844567)