State Bank of Texas: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 15.71% +6.71 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $427.6M | 427,587 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.72B | 2,722,535 | RCOAA224 |
| Recomputed ratio | 15.71% | numerator / denominator | |
| Filed ratio | 15.71% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.71 pp | $182.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 69,320 | 69,320 | 69,320 | 69,320 | 69,320 | 69,320 | RCOAP742 |
| Retained earnings | 358,267 | 336,190 | 339,151 | 364,978 | 335,914 | 315,470 | RCOAKW00 |
| Accumulated other comprehensive income | (2,601) | (4,194) | (1,206) | (3,025) | (6,893) | (6,182) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 424,986 | 401,316 | 407,265 | 431,273 | 398,341 | 378,608 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,601 | 4,194 | 1,206 | 3,025 | 6,893 | 6,182 | P859 - P840 |
| Common equity Tier 1 capital | 427,587 | 405,510 | 408,471 | 434,298 | 405,234 | 384,790 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 427,587 | 405,510 | 408,471 | 434,298 | 405,234 | 384,790 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 2,722,535 | 2,753,497 | 2,781,303 | 2,819,844 | 2,777,548 | 2,783,694 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 15.71% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 14.73% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 14.69% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 15.40% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 14.59% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 13.82% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 14.17% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 13.78% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 14.01% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 13.72% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 15.28% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 14.80% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| State Bank of Texas (this bank) | CBLR | NA | NA | NA | 15.71% | |
| First National Bank | $2.59B | Risk-based | 13.42% | 13.42% | 14.68% | 11.12% |
| Wells Fargo Bank South Central, N.A. | $2.59B | Risk-based | 80.53% | 80.53% | 80.84% | 29.69% |
| Meridian Bank | $2.59B | CBLR | NA | NA | NA | 9.72% |
| Extraco Banks, N.A. | $2.57B | Risk-based | 15.88% | 15.88% | 17.14% | 8.67% |
| KS Statebank | $2.60B | CBLR | NA | NA | NA | 12.97% |
| Cornerstone Bank | $2.57B | Risk-based | 11.84% | 11.84% | 12.31% | 9.22% |
| Dedham Institution for Savings | $2.60B | Risk-based | 13.93% | 13.93% | 14.69% | 11.39% |
| Fidelity Bank & Trust | $2.60B | Risk-based | 10.67% | 10.67% | 11.72% | 8.98% |
| United Business Bank | $2.56B | Risk-based | 13.76% | 13.76% | 14.87% | 11.66% |
| North Shore Bank | $2.61B | CBLR | NA | NA | NA | 14.45% |
| Peer 25th percentile | 12.63% | 12.63% | 13.49% | 9.35% | ||
| Peer median | 13.76% | 13.76% | 14.69% | 11.26% | ||
| Peer 75th percentile | 14.90% | 14.90% | 16.00% | 12.64% | ||
| This bank's percentile | NA | NA | NA | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/1157415/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.