Red River State 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 1.86 percentage points higher than in Q1 2026, at 16.09%.
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 | 15.24% |
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 | $17.4M |
| Tier 1 capital | $17.4M |
| Total risk-based capital | — |
| Total equity capital | $17.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.09% |
| Tangible equity to tangible assets | 15.85% |
| Equity capital to average assets | 15.47% |
| Internal capital growth rate | 15.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.9M |
| Retained earnings | $10.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13K |
| 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 | 19.14% | 19.14% | 20.40% | 13.58% | $87.5M |
| Q4 2023 | 17.43% | 17.43% | 18.69% | 11.79% | $84.2M |
| Q1 2024 | 17.92% | 17.92% | 19.17% | 12.66% | $85.0M |
| Q2 2024 | 18.48% | 18.48% | 19.74% | 12.88% | $85.3M |
| Q3 2024 | 18.92% | 18.92% | 20.18% | 13.24% | $85.0M |
| Q4 2024 | — | — | — | 12.55% | — |
| Q1 2025 | — | — | — | 13.15% | — |
| Q2 2025 | — | — | — | 13.92% | — |
| Q3 2025 | — | — | — | 14.32% | — |
| Q4 2025 | — | — | — | 13.42% | — |
| Q1 2026 | — | — | — | 14.23% | — |
| Q2 2026 | — | — | — | 15.24% | — |
Red River State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Red River State 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 Red River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15820) · FFIEC NIC profile (RSSD 1005655)