R 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%.
Retained earnings dropped 19.1% in Q2 2026, from $28.3M to $22.9M. It was the largest change from Q1 2026 among the key lines here. R Bank has the 12th lowest CET1 ratio of the 184 banks headquartered in Texas, at 12.04% as of Q2 2026. R Bank reported 12.04% on CET1 ratio for Q2 2026, 1.46 points below 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 | 12.04% |
| Tier 1 risk-based capital ratio | 12.04% |
| Total risk-based capital ratio | 13.17% |
| Tier 1 leverage ratio | 9.01% |
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 | $92.3M |
| Tier 1 capital | $92.3M |
| Total risk-based capital | $101.0M |
| Total equity capital | $93.0M |
| Risk-weighted assets | $767.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.00% |
| Tangible equity to tangible assets | 8.59% |
| Equity capital to average assets | 9.03% |
| Internal capital growth rate | -21.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.9M |
| Common stock surplus | $65.2M |
| Retained earnings | $22.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| 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 | 10.89% | 10.89% | 12.14% | 9.35% | $840.3M |
| Q4 2023 | 10.82% | 10.82% | 12.02% | 9.18% | $858.9M |
| Q1 2024 | 10.94% | 10.94% | 12.12% | 8.90% | $851.3M |
| Q2 2024 | 10.79% | 10.79% | 11.95% | 8.83% | $845.1M |
| Q3 2024 | 11.41% | 11.41% | 12.60% | 8.89% | $803.1M |
| Q4 2024 | 11.56% | 11.56% | 12.76% | 9.00% | $782.0M |
| Q1 2025 | 11.92% | 11.92% | 13.12% | 9.16% | $769.3M |
| Q2 2025 | 11.87% | 11.87% | 13.03% | 9.41% | $786.1M |
| Q3 2025 | 12.45% | 12.45% | 13.64% | 9.28% | $761.7M |
| Q4 2025 | 12.27% | 12.27% | 13.36% | 9.09% | $782.2M |
| Q1 2026 | 13.01% | 13.01% | 14.15% | 9.32% | $750.9M |
| Q2 2026 | 12.04% | 12.04% | 13.17% | 9.01% | $767.0M |
R Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock R 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 R Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58935) · FFIEC NIC profile (RSSD 3821037)