Texas Bank and Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.10% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 9.10% (RCOAH311).
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.
Common equity Tier 1 ratio 15.85% +9.35 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $565.0M | 564,999 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.56B | 3,563,895 | RCOAA223 |
| Recomputed ratio | 15.85% | numerator / denominator | |
| Filed ratio | 15.85% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.35 pp | $333.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.85% +7.85 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $565.0M | 564,999 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.56B | 3,563,895 | RCOAA223 |
| Recomputed ratio | 15.85% | numerator / denominator | |
| Filed ratio | 15.85% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.85 pp | $279.9M | capital that could be lost first |
Total risk-based capital ratio 17.10% +7.10 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $609.6M | 609,555 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.56B | 3,563,895 | RCOAA223 |
| Recomputed ratio | 17.10% | numerator / denominator | |
| Filed ratio | 17.10% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.10 pp | $253.2M | capital that could be lost first |
Tier 1 leverage ratio 13.10% +8.10 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $565.0M | 564,999 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.31B | 4,312,412 | RCOAA224 |
| Recomputed ratio | 13.10% | numerator / denominator | |
| Filed ratio | 13.10% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.10 pp | $349.4M | 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 | 57,750 | 57,750 | 57,750 | 57,750 | 57,750 | 57,750 | RCOAP742 |
| Retained earnings | 526,135 | 508,333 | 498,409 | 481,565 | 471,122 | 457,102 | RCOAKW00 |
| Accumulated other comprehensive income | (24,005) | (26,015) | (23,228) | (26,515) | (31,845) | (35,312) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 559,880 | 540,068 | 532,931 | 512,800 | 497,027 | 479,540 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,119 | 7,101 | 3,850 | 7,123 | 12,437 | 15,765 | P859 - P840 |
| Common equity Tier 1 capital | 564,999 | 547,169 | 536,781 | 519,923 | 509,464 | 495,305 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 564,999 | 547,169 | 536,781 | 519,923 | 509,464 | 495,305 | RCOA8274 |
| Tier 2 capital | 44,556 | 43,230 | 44,240 | 45,162 | 45,296 | 45,504 | RCOA5311 |
| Allowance includable in Tier 2 capital | 44,556 | 43,230 | 44,240 | 45,162 | 45,296 | 45,504 | RCOA5310 |
| Total capital | 609,555 | 590,399 | 581,021 | 565,085 | 554,760 | 540,809 | RCOA3792 |
| Total risk-weighted assets | 3,563,895 | 3,457,159 | 3,538,971 | 3,612,527 | 3,623,103 | 3,642,148 | RCOAA223 |
| Average total assets for the leverage ratio | 4,312,412 | 4,369,023 | 4,368,373 | 4,361,114 | 4,369,006 | 4,377,946 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $322.5M | $11.7M | 3.63% | 0.33% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $458.2M | $88.0M | 19.22% | 2.47% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $835.9M | $457.7M | 54.76% | 12.84% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $13.2M | $19.9M | 150.00% | 0.56% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $20.8M | $31.2M | 150.00% | 0.88% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.56B | $2.53B | 98.83% | 71.04% | RC-R Part II, item 4.d, 5.d |
| All other assets | $178.8M | $197.3M | 110.38% | 5.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $233.5M | $226.3M | 96.92% | 6.35% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.56B | ties to item 31 ($3.56B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.56B | RCONB704 |
| Less: excess allowance for credit losses | $570K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.56B | RCONG641, ties |
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 | Risk-based | 15.85% | 15.85% | 17.10% | 13.10% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.83% | 15.83% | 17.08% | 12.52% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.17% | 15.17% | 16.42% | 12.29% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.39% | 14.39% | 15.64% | 11.92% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.06% | 14.06% | 15.31% | 11.66% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.60% | 13.60% | 14.85% | 11.31% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.42% | 13.42% | 14.67% | 10.99% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.92% | 12.92% | 14.17% | 10.91% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.79% | 12.79% | 14.04% | 10.87% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.45% | 12.45% | 13.70% | 10.48% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.16% | 12.16% | 13.41% | 10.36% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.89% | 11.89% | 13.14% | 10.19% | 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 |
|---|---|---|---|---|---|---|
| Texas Bank and Trust Company (this bank) | Risk-based | 15.85% | 15.85% | 17.10% | 13.10% | |
| Primis Bank | $4.34B | Risk-based | 10.63% | 10.63% | 11.88% | 9.51% |
| National Cooperative Bank, N.A. | $4.33B | Risk-based | 14.05% | 14.05% | 14.99% | 11.28% |
| Civista Bank | $4.29B | Risk-based | 16.39% | 16.39% | 17.64% | 12.71% |
| The First Bank and Trust Company | $4.28B | Risk-based | 12.58% | 12.58% | 13.83% | 10.07% |
| Sunwest Bank | $4.41B | Risk-based | 10.40% | 10.40% | 11.66% | 9.71% |
| First Business Bank | $4.41B | Risk-based | 11.17% | 11.17% | 12.18% | 10.37% |
| Royal Business Bank | $4.27B | Risk-based | 19.68% | 19.68% | 20.93% | 12.54% |
| American Business Bank | $4.42B | Risk-based | 12.35% | 12.35% | 13.24% | 11.01% |
| Inwood National Bank | $4.26B | Risk-based | 16.18% | 16.18% | 16.98% | 10.79% |
| HomeTrust Bank | $4.44B | Risk-based | 13.74% | 13.74% | 14.84% | 12.91% |
| Peer 25th percentile | 11.47% | 11.47% | 12.44% | 10.14% | ||
| Peer median | 13.16% | 13.16% | 14.34% | 10.90% | ||
| Peer 75th percentile | 15.65% | 15.65% | 16.48% | 12.23% | ||
| This bank's percentile | 70 | 70 | 80 | 100 |
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/949154/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.