Southwestern National 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 Accumulated other comprehensive income: 31.3% lower than in Q1 2026, at -$1.3M. Within Texas, Southwestern National Bank is 129th of 184 on CET1 ratio, 14.54% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Southwestern National Bank sits 1.06 points higher, at 14.54% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.54% |
| Tier 1 risk-based capital ratio | 14.54% |
| Total risk-based capital ratio | 15.79% |
| Tier 1 leverage ratio | 12.41% |
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 | $171.1M |
| Tier 1 capital | $171.1M |
| Total risk-based capital | $185.8M |
| Total equity capital | $169.8M |
| Risk-weighted assets | $1.18B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.20% |
| Tangible equity to tangible assets | 12.20% |
| Equity capital to average assets | 12.31% |
| Internal capital growth rate | 13.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.7M |
| Common stock surplus | $49.3M |
| Retained earnings | $117.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 13.96% | 13.96% | 15.21% | 12.17% | $896.0M |
| Q4 2023 | 13.97% | 13.97% | 15.22% | 11.81% | $910.8M |
| Q1 2024 | 13.59% | 13.59% | 14.84% | 11.63% | $952.3M |
| Q2 2024 | 13.63% | 13.63% | 14.88% | 11.21% | $974.8M |
| Q3 2024 | 13.93% | 13.93% | 15.18% | 11.22% | $979.2M |
| Q4 2024 | 13.78% | 13.78% | 15.03% | 11.77% | $1.02B |
| Q1 2025 | 13.17% | 13.17% | 14.42% | 11.53% | $1.07B |
| Q2 2025 | 13.31% | 13.31% | 14.56% | 11.21% | $1.09B |
| Q3 2025 | 13.56% | 13.56% | 14.78% | 11.54% | $1.10B |
| Q4 2025 | 13.60% | 13.60% | 14.79% | 11.53% | $1.13B |
| Q1 2026 | 14.80% | 14.80% | 16.05% | 11.95% | $1.12B |
| Q2 2026 | 14.54% | 14.54% | 15.79% | 12.41% | $1.18B |
Southwestern National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwestern National 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 Southwestern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34319) · FFIEC NIC profile (RSSD 2625724)