Spur Security 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital climbed 39.4% in Q2 2026, from $9.0M to $12.6M. It was the largest change from Q1 2026 among the key lines here. Spur Security Bank ranks 78th of 184 Texas banks on CET1 ratio, in the upper half at 17.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Spur Security Bank sits 2.83 points higher, at 17.91% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.91% |
| Tier 1 risk-based capital ratio | 17.91% |
| Total risk-based capital ratio | 19.01% |
| Tier 1 leverage ratio | 12.39% |
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 | $17.5M |
| Tier 1 capital | $17.5M |
| Total risk-based capital | $18.5M |
| Total equity capital | $12.6M |
| Risk-weighted assets | $97.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.96% |
| Tangible equity to tangible assets | 8.96% |
| Equity capital to average assets | 8.93% |
| Internal capital growth rate | 12.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $11.8M |
| Common stock surplus | $800K |
| Retained earnings | $4.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 26.29% | 26.29% | 26.97% | 13.71% | $38.5M |
| Q4 2023 | 22.78% | 22.78% | 23.58% | 13.52% | $48.9M |
| Q1 2024 | 21.97% | 21.97% | 22.95% | 13.66% | $52.1M |
| Q2 2024 | 22.08% | 22.08% | 23.15% | 13.83% | $55.1M |
| Q3 2024 | 22.78% | 22.78% | 23.85% | 13.68% | $58.6M |
| Q4 2024 | 21.80% | 21.80% | 22.94% | 12.61% | $61.3M |
| Q1 2025 | 19.79% | 19.79% | 20.89% | 11.12% | $67.6M |
| Q2 2025 | 18.09% | 18.09% | 19.10% | 11.37% | $75.3M |
| Q3 2025 | 17.46% | 17.46% | 18.54% | 10.85% | $78.6M |
| Q4 2025 | 15.70% | 15.70% | 16.81% | 10.12% | $87.3M |
| Q1 2026 | 15.71% | 15.71% | 16.81% | 9.98% | $88.7M |
| Q2 2026 | 17.91% | 17.91% | 19.01% | 12.39% | $97.5M |
Spur Security Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spur Security 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 Spur Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15460) · FFIEC NIC profile (RSSD 409265)