Round Top 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 largest change between Q1 2026 and Q2 2026 was in Tangible equity to tangible assets, which rose 0.31 percentage points to 10.30%.
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 | 11.94% |
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 | $119.2M |
| Tier 1 capital | $119.2M |
| Total risk-based capital | — |
| Total equity capital | $100.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.35% |
| Tangible equity to tangible assets | 10.30% |
| Equity capital to average assets | 10.09% |
| Internal capital growth rate | 13.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $105K |
| Common stock surplus | $7.9M |
| Retained earnings | $111.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.9M |
| 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 | 11.40% | 7.69% | 7.63% |
| Q4 2023 | 11.18% | 8.62% | 8.57% |
| Q1 2024 | 10.77% | 8.06% | 8.00% |
| Q2 2024 | 10.85% | 8.37% | 8.32% |
| Q3 2024 | 11.06% | 9.76% | 9.71% |
| Q4 2024 | 11.50% | 9.08% | 9.02% |
| Q1 2025 | 11.91% | 9.60% | 9.54% |
| Q2 2025 | 11.87% | 9.64% | 9.59% |
| Q3 2025 | 12.03% | 10.10% | 10.05% |
| Q4 2025 | 11.73% | 10.25% | 10.19% |
| Q1 2026 | 11.93% | 10.05% | 9.99% |
| Q2 2026 | 11.94% | 10.35% | 10.30% |
Round Top State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Round Top 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 Round Top State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19358) · FFIEC NIC profile (RSSD 665865)