Southtrust Bank, N.A.: 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%.
Equity capital to total assets rose 0.60 percentage points from Q1 2026 to Q2 2026, ending at 12.18% against 11.58%. It was the largest change among the key lines on this page. Southtrust Bank, N.A. ranks 51st of 184 Texas banks on CET1 ratio, in the upper half at 21.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Southtrust Bank, N.A. sits 6.33 points higher, at 21.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.40% |
| Tier 1 risk-based capital ratio | 21.40% |
| Total risk-based capital ratio | 22.65% |
| Tier 1 leverage ratio | 12.50% |
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 | $71.4M |
| Tier 1 capital | $71.4M |
| Total risk-based capital | $75.5M |
| Total equity capital | $70.5M |
| Risk-weighted assets | $333.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.18% |
| Tangible equity to tangible assets | 12.18% |
| Equity capital to average assets | 12.35% |
| Internal capital growth rate | 12.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $6.6M |
| Retained earnings | $64.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$850K |
| 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 | 16.94% | 16.94% | 18.19% | 10.91% | $340.7M |
| Q4 2023 | 16.86% | 16.86% | 18.11% | 10.76% | $347.8M |
| Q1 2024 | 17.39% | 17.39% | 18.64% | 10.55% | $344.0M |
| Q2 2024 | 17.91% | 17.91% | 19.16% | 10.97% | $341.2M |
| Q3 2024 | 18.30% | 18.30% | 19.56% | 11.10% | $338.2M |
| Q4 2024 | 18.87% | 18.87% | 20.12% | 11.08% | $339.7M |
| Q1 2025 | 18.63% | 18.63% | 19.88% | 11.61% | $348.2M |
| Q2 2025 | 18.50% | 18.50% | 19.75% | 11.87% | $355.2M |
| Q3 2025 | 19.03% | 19.03% | 20.29% | 11.70% | $353.9M |
| Q4 2025 | 19.84% | 19.84% | 21.09% | 11.20% | $343.5M |
| Q1 2026 | 20.42% | 20.42% | 21.67% | 12.04% | $339.3M |
| Q2 2026 | 21.40% | 21.40% | 22.65% | 12.50% | $333.6M |
Southtrust Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southtrust Bank, N.A., 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 Southtrust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13919) · FFIEC NIC profile (RSSD 521158)