State Bank of Texas: 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: 38.0% higher than in Q1 2026, at -$2.6M.
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 | 15.71% |
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 | $427.6M |
| Tier 1 capital | $427.6M |
| Total risk-based capital | — |
| Total equity capital | $425.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.43% |
| Tangible equity to tangible assets | 16.43% |
| Equity capital to average assets | 15.61% |
| Internal capital growth rate | 22.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $826K |
| Common stock surplus | $68.5M |
| Retained earnings | $358.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | 14.80% | 13.74% | 13.74% |
| Q4 2023 | 15.28% | 14.47% | 14.47% |
| Q1 2024 | 13.72% | 13.40% | 13.40% |
| Q2 2024 | 14.01% | 13.75% | 13.75% |
| Q3 2024 | 13.78% | 13.50% | 13.50% |
| Q4 2024 | 14.17% | 14.01% | 14.01% |
| Q1 2025 | 13.82% | 13.57% | 13.57% |
| Q2 2025 | 14.59% | 14.39% | 14.39% |
| Q3 2025 | 15.40% | 15.33% | 15.33% |
| Q4 2025 | 14.69% | 14.69% | 14.69% |
| Q1 2026 | 14.73% | 14.52% | 14.52% |
| Q2 2026 | 15.71% | 16.43% | 16.43% |
State Bank of Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Texas, 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 State Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27074) · FFIEC NIC profile (RSSD 1157415)