Texas Capital 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.0% lower than in Q1 2026, at -$98.9M. Texas Capital Bank has the 17th lowest CET1 ratio of the 184 banks headquartered in Texas, at 12.35% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Texas Capital Bank sits 0.60 points lower, at 12.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.35% |
| Tier 1 risk-based capital ratio | 12.35% |
| Total risk-based capital ratio | 13.53% |
| Tier 1 leverage ratio | 10.67% |
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 | $3.50B |
| Tier 1 capital | $3.50B |
| Total risk-based capital | $3.84B |
| Total equity capital | $3.41B |
| Risk-weighted assets | $28.36B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.13% |
| Tangible equity to tangible assets | 10.13% |
| Equity capital to average assets | 10.38% |
| Internal capital growth rate | 10.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $1.10B |
| Retained earnings | $2.41B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$98.9M |
| 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 | 13.85% | 13.85% | 15.22% | 11.76% | $25.79B |
| Q4 2023 | 14.01% | 14.01% | 15.41% | 12.00% | $25.69B |
| Q1 2024 | 13.84% | 13.84% | 15.13% | 12.30% | $26.10B |
| Q2 2024 | 13.16% | 13.16% | 14.40% | 12.21% | $27.71B |
| Q3 2024 | 12.65% | 12.65% | 13.89% | 11.44% | $28.22B |
| Q4 2024 | 12.75% | 12.75% | 14.00% | 11.27% | $28.34B |
| Q1 2025 | 11.90% | 11.90% | 13.09% | 10.70% | $27.85B |
| Q2 2025 | 11.81% | 11.81% | 12.97% | 10.87% | $28.78B |
| Q3 2025 | 12.53% | 12.53% | 13.72% | 10.99% | $28.00B |
| Q4 2025 | 13.01% | 13.01% | 14.20% | 11.18% | $27.82B |
| Q1 2026 | 13.18% | 13.18% | 14.35% | 11.91% | $28.15B |
| Q2 2026 | 12.35% | 12.35% | 13.53% | 10.67% | $28.36B |
Texas Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Capital 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 Texas Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34383) · FFIEC NIC profile (RSSD 2618780)