The State National Bank of Groom: 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 climbed 1.33 percentage points in Q2 2026, from 12.03% to 13.36%. It was the largest change from Q1 2026 among the key lines here.
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 | 12.60% |
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 | $7.4M |
| Tier 1 capital | $7.4M |
| Total risk-based capital | — |
| Total equity capital | $7.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.36% |
| Tangible equity to tangible assets | 13.36% |
| Equity capital to average assets | 12.46% |
| Internal capital growth rate | 3.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2K |
| Common stock surplus | $6.8M |
| Retained earnings | $667K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$81K |
| 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 | 17.40% | 17.40% | 18.49% | 11.12% | $24.3M |
| Q4 2023 | 36.73% | 36.73% | 37.77% | 22.61% | $25.7M |
| Q1 2024 | 34.23% | 34.23% | 35.06% | 21.45% | $27.5M |
| Q2 2024 | 27.15% | 27.15% | 28.26% | 20.40% | $33.6M |
| Q3 2024 | 23.66% | 23.66% | 24.75% | 20.37% | $38.0M |
| Q4 2024 | 19.77% | 19.77% | 21.02% | 16.91% | $43.1M |
| Q1 2025 | 16.28% | 16.28% | 16.85% | 14.25% | $47.0M |
| Q2 2025 | 15.48% | 15.48% | 16.16% | 12.76% | $49.4M |
| Q3 2025 | 14.35% | 14.35% | 15.12% | 12.06% | $50.5M |
| Q4 2025 | 13.64% | 13.64% | 14.89% | 11.70% | $52.8M |
| Q1 2026 | — | — | — | 11.35% | — |
| Q2 2026 | — | — | — | 12.60% | — |
The State National Bank of Groom regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The State National Bank of Groom, 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 The State National Bank of Groom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3237) · FFIEC NIC profile (RSSD 460556)