Susser 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.
Risk-weighted assets rose 6.3% from Q1 2026 to Q2 2026, ending at $2.41B against $2.27B. It was the largest change among the key lines on this page. Susser Bank has the 9th lowest CET1 ratio of the 184 banks headquartered in Texas, at 11.65% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Susser Bank sits 1.85 points lower, at 11.65% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.65% |
| Tier 1 risk-based capital ratio | 11.65% |
| Total risk-based capital ratio | 12.90% |
| Tier 1 leverage ratio | 10.10% |
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 | $280.7M |
| Tier 1 capital | $280.7M |
| Total risk-based capital | $310.8M |
| Total equity capital | $306.7M |
| Risk-weighted assets | $2.41B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.26% |
| Tangible equity to tangible assets | 9.38% |
| Equity capital to average assets | 10.92% |
| Internal capital growth rate | 8.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $195.4M |
| Retained earnings | $111.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 10.50% | 10.50% | 11.57% | 9.10% | $1.80B |
| Q4 2023 | 11.24% | 11.24% | 12.33% | 9.57% | $1.82B |
| Q1 2024 | 11.36% | 11.36% | 12.45% | 9.81% | $1.89B |
| Q2 2024 | 11.11% | 11.11% | 12.20% | 10.46% | $2.02B |
| Q3 2024 | 11.44% | 11.44% | 12.66% | 9.85% | $2.00B |
| Q4 2024 | 11.18% | 11.18% | 12.39% | 9.73% | $2.11B |
| Q1 2025 | 11.14% | 11.14% | 12.37% | 9.77% | $2.18B |
| Q2 2025 | 11.27% | 11.27% | 12.51% | 9.79% | $2.19B |
| Q3 2025 | 11.67% | 11.67% | 12.92% | 9.86% | $2.20B |
| Q4 2025 | 11.66% | 11.66% | 12.91% | 9.38% | $2.28B |
| Q1 2026 | 12.06% | 12.06% | 13.31% | 9.72% | $2.27B |
| Q2 2026 | 11.65% | 11.65% | 12.90% | 10.10% | $2.41B |
Susser Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Susser 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 Susser Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34885) · FFIEC NIC profile (RSSD 965789)