Bank Safety Analysis
Is R Bank Safe?
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R Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
Compared with Q1 2026, CET1 ratio fell 0.98 percentage points in Q2 2026 to 12.04%, the biggest move on this page. 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. From Q3 2023 to Q2 2026, R Bank's CET1 ratio ranged between 10.79% (Q2 2024) and 13.01% (Q1 2026) and its Texas ratio ranged between 2.19% (Q4 2023) and 18.38% (Q2 2025). Between Q2 2025 and Q2 2026, R Bank's CET1 ratio rose from 11.87% to 12.04%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 2.05% to 1.54%, Texas ratio fell from 18.38% to 12.94% and return on assets fell from 0.91% to 0.83%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.904 for the 1-year horizon (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the model evidence and limits and the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $1B to $10B in assets (941 banks) · Industry averages as of Q2 2026.
CET1 of 12.04% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.01% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.54% are elevated; merits closer attention.
Texas Ratio of 12.9% is well below the 100% historical failure threshold.
Efficiency ratio of 73.2% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 12.04% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 12.94% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.54% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 83.20% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 256.96% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 2.07% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 12.04% |
| Q1 2026 | 13.01% |
| Q4 2025 | 12.27% |
| Q3 2025 | 12.45% |
| Q2 2025 | 11.87% |
| Q1 2025 | 11.92% |
| Q4 2024 | 11.56% |
| Q3 2024 | 11.41% |
| Q2 2024 | 10.79% |
| Q1 2024 | 10.94% |
| Q4 2023 | 10.82% |
| Q3 2023 | 10.89% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 12.94% |
| Q1 2026 | 12.14% |
| Q4 2025 | 17.13% |
| Q3 2025 | 17.14% |
| Q2 2025 | 18.38% |
| Q1 2025 | 17.47% |
| Q4 2024 | 17.80% |
| Q3 2024 | 16.37% |
| Q2 2024 | 15.58% |
| Q1 2024 | 14.23% |
| Q4 2023 | 2.19% |
| Q3 2023 | 2.69% |
R Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 12.04% | 1.54% | 12.94% | 0.83% |
| Mar 31, 2026 | 13.01% | 1.56% | 12.14% | 0.63% |
| Dec 31, 2025 | 12.27% | 1.89% | 17.13% | 0.64% |
| Sep 30, 2025 | 12.45% | 2.04% | 17.14% | 0.59% |
| Jun 30, 2025 | 11.87% | 2.05% | 18.38% | 0.91% |
| Mar 31, 2025 | 11.92% | 2.10% | 17.47% | 0.52% |
| Dec 31, 2024 | 11.56% | 2.05% | 17.80% | -0.20% |
| Sep 30, 2024 | 11.41% | 1.76% | 16.37% | 0.18% |
| Jun 30, 2024 | 10.79% | 1.72% | 15.58% | -0.49% |
| Mar 31, 2024 | 10.94% | 1.59% | 14.23% | 0.27% |
| Dec 31, 2023 | 10.82% | 0.24% | 2.19% | 0.78% |
| Sep 30, 2023 | 10.89% | 0.30% | 2.69% | 0.40% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is R Bank FDIC insured?
Yes. R Bank is an FDIC-insured commercial bank (FDIC Certificate #58935). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is R Bank well capitalized?
Yes. R Bank reports a CET1 Ratio of 12.04%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is R Bank's nonperforming loan ratio?
As of the most recent call report, R Bank's nonperforming loan ratio is 1.54%. Nonperforming loans at 1.54% are elevated; merits closer attention.
What is R Bank's Texas Ratio?
R Bank's Texas Ratio is 12.94%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 58935) · FFIEC NIC profile (RSSD 3821037)
Explore: Full R Bank profile · Other banks in TX · Metric glossary · How the call report works