Texas Champion 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.68 percentage points to 10.88%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.48% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $45.8M |
| Tier 1 capital | $45.8M |
| Total risk-based capital | — |
| Total equity capital | $47.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.93% |
| Tangible equity to tangible assets | 10.52% |
| Equity capital to average assets | 10.88% |
| Internal capital growth rate | 8.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $354K |
| Common stock surplus | $21.0M |
| Retained earnings | $26.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$72K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.76% | 9.88% | 9.46% |
| Q4 2023 | 9.76% | 9.79% | 9.38% |
| Q1 2024 | 9.84% | 9.94% | 9.53% |
| Q2 2024 | 9.62% | 9.76% | 9.35% |
| Q3 2024 | 9.64% | 10.21% | 9.80% |
| Q4 2024 | 10.01% | 10.28% | 9.87% |
| Q1 2025 | 10.19% | 10.70% | 10.29% |
| Q2 2025 | 10.25% | 10.45% | 10.04% |
| Q3 2025 | 10.25% | 10.60% | 10.20% |
| Q4 2025 | 10.26% | 10.49% | 10.10% |
| Q1 2026 | 9.81% | 10.50% | 10.10% |
| Q2 2026 | 10.48% | 10.93% | 10.52% |
Texas Champion Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Champion 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 Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11159) · FFIEC NIC profile (RSSD 579364)