Texas Bank and Trust Company: 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 Equity capital to total assets: 0.80 percentage points higher than in Q1 2026, at 12.90%. Within Texas, Texas Bank and Trust Company is 107th of 184 on CET1 ratio, 15.85% as of Q2 2026, below the middle of the field. Texas Bank and Trust Company reported 15.85% on CET1 ratio for Q2 2026, 2.37 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.85% |
| Tier 1 risk-based capital ratio | 15.85% |
| Total risk-based capital ratio | 17.10% |
| Tier 1 leverage ratio | 13.10% |
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 | $565.0M |
| Tier 1 capital | $565.0M |
| Total risk-based capital | $609.6M |
| Total equity capital | $559.9M |
| Risk-weighted assets | $3.56B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.90% |
| Tangible equity to tangible assets | 12.50% |
| Equity capital to average assets | 12.93% |
| Internal capital growth rate | 13.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $55.8M |
| Retained earnings | $526.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.0M |
| 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 | 11.89% | 11.89% | 13.14% | 10.19% | $3.75B |
| Q4 2023 | 12.16% | 12.16% | 13.41% | 10.36% | $3.75B |
| Q1 2024 | 12.45% | 12.45% | 13.70% | 10.48% | $3.71B |
| Q2 2024 | 12.79% | 12.79% | 14.04% | 10.87% | $3.69B |
| Q3 2024 | 12.92% | 12.92% | 14.17% | 10.91% | $3.69B |
| Q4 2024 | 13.42% | 13.42% | 14.67% | 10.99% | $3.64B |
| Q1 2025 | 13.60% | 13.60% | 14.85% | 11.31% | $3.64B |
| Q2 2025 | 14.06% | 14.06% | 15.31% | 11.66% | $3.62B |
| Q3 2025 | 14.39% | 14.39% | 15.64% | 11.92% | $3.61B |
| Q4 2025 | 15.17% | 15.17% | 16.42% | 12.29% | $3.54B |
| Q1 2026 | 15.83% | 15.83% | 17.08% | 12.52% | $3.46B |
| Q2 2026 | 15.85% | 15.85% | 17.10% | 13.10% | $3.56B |
Texas Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Bank and Trust Company, 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 Texas Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17842) · FFIEC NIC profile (RSSD 949154)