TBK Bank, SSB: 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 average assets dropped 1.26 percentage points in Q2 2026, from 15.82% to 14.56%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, TBK Bank, SSB is 8th from the bottom among 184 Texas banks, 11.36% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. TBK Bank, SSB sits 2.12 points lower, at 11.36% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.36% |
| Tier 1 risk-based capital ratio | 11.36% |
| Total risk-based capital ratio | 11.97% |
| Tier 1 leverage ratio | 9.91% |
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 | $681.9M |
| Tier 1 capital | $681.9M |
| Total risk-based capital | $718.9M |
| Total equity capital | $1.06B |
| Risk-weighted assets | $6.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.28% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 14.56% |
| Internal capital growth rate | 5.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $627.5M |
| Retained earnings | $431.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.36% | 14.36% | 15.02% | 13.66% | $4.97B |
| Q4 2023 | 15.17% | 15.17% | 15.87% | 13.86% | $4.78B |
| Q1 2024 | 15.06% | 15.06% | 15.85% | 14.27% | $4.87B |
| Q2 2024 | 14.96% | 14.96% | 15.77% | 13.68% | $4.98B |
| Q3 2024 | 15.08% | 15.08% | 15.91% | 13.50% | $5.04B |
| Q4 2024 | 14.17% | 14.17% | 14.95% | 12.99% | $5.24B |
| Q1 2025 | 14.00% | 14.00% | 14.71% | 13.02% | $5.34B |
| Q2 2025 | 10.90% | 10.90% | 11.62% | 10.30% | $5.65B |
| Q3 2025 | 11.17% | 11.17% | 11.81% | 10.41% | $5.63B |
| Q4 2025 | 11.77% | 11.77% | 12.47% | 10.78% | $5.57B |
| Q1 2026 | 11.54% | 11.54% | 12.17% | 10.68% | $5.73B |
| Q2 2026 | 11.36% | 11.36% | 11.97% | 9.91% | $6.00B |
TBK Bank, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TBK Bank, SSB, 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 TBK Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23498) · FFIEC NIC profile (RSSD 766164)