Producer Bank of Texas: 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 standout move of Q2 2026 was in Equity capital to average assets: 1.98 percentage points lower than in Q1 2026, at 23.68%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.61% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.2M |
| Tier 1 capital | $10.2M |
| Total risk-based capital | — |
| Total equity capital | $13.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.50% |
| Tangible equity to tangible assets | 18.83% |
| Equity capital to average assets | 23.68% |
| Internal capital growth rate | -1.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $330K |
| Common stock surplus | $14.5M |
| Retained earnings | -$1.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.18% | 9.59% | 9.59% |
| Q4 2023 | 10.60% | 10.09% | 10.09% |
| Q1 2024 | 10.27% | 9.35% | 9.35% |
| Q2 2024 | 10.33% | 10.42% | 10.42% |
| Q3 2024 | 9.39% | 9.34% | 9.34% |
| Q4 2024 | 24.85% | 29.68% | 24.62% |
| Q1 2025 | 24.19% | 28.36% | 23.45% |
| Q2 2025 | 25.70% | 29.61% | 24.50% |
| Q3 2025 | 24.68% | 28.34% | 23.00% |
| Q4 2025 | 21.42% | 26.27% | 21.28% |
| Q1 2026 | 20.22% | 23.99% | 19.23% |
| Q2 2026 | 18.61% | 23.50% | 18.83% |
Producer Bank of Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Producer Bank of Texas, 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 Producer Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18302) · FFIEC NIC profile (RSSD 856869)