Pointwest 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.
Total risk-based capital ratio rose 1.07 percentage points from Q1 2026 to Q2 2026, ending at 32.84% against 31.77%. It was the largest change among the key lines on this page. Within Texas, Pointwest Bank is 25th of 184 on CET1 ratio, 31.83% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, Pointwest Bank reported 31.83% on CET1 ratio in Q2 2026, 16.74 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.83% |
| Tier 1 risk-based capital ratio | 31.83% |
| Total risk-based capital ratio | 32.84% |
| Tier 1 leverage ratio | 12.54% |
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 | $17.3M |
| Tier 1 capital | $17.3M |
| Total risk-based capital | $17.9M |
| Total equity capital | $13.7M |
| Risk-weighted assets | $54.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.95% |
| Tangible equity to tangible assets | 9.95% |
| Equity capital to average assets | 9.87% |
| Internal capital growth rate | 11.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $1.4M |
| Retained earnings | $15.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 26.15% | 26.15% | 27.04% | 8.73% | $52.0M |
| Q4 2023 | 28.47% | 28.47% | 29.42% | 10.49% | $49.3M |
| Q1 2024 | 28.48% | 28.48% | 29.40% | 10.65% | $50.0M |
| Q2 2024 | 28.44% | 28.44% | 29.39% | 11.05% | $50.8M |
| Q3 2024 | 28.96% | 28.96% | 29.90% | 11.14% | $51.1M |
| Q4 2024 | 27.99% | 27.99% | 28.93% | 11.39% | $53.9M |
| Q1 2025 | 28.69% | 28.69% | 29.63% | 11.85% | $53.8M |
| Q2 2025 | 28.94% | 28.94% | 29.91% | 12.27% | $54.8M |
| Q3 2025 | 30.21% | 30.21% | 31.19% | 12.31% | $53.9M |
| Q4 2025 | 29.02% | 29.02% | 29.95% | 11.90% | $57.1M |
| Q1 2026 | 30.82% | 30.82% | 31.77% | 12.38% | $55.1M |
| Q2 2026 | 31.83% | 31.83% | 32.84% | 12.54% | $54.5M |
Pointwest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pointwest 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 Pointwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13600) · FFIEC NIC profile (RSSD 292467)