Texas Community 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: 320.0% lower than in Q1 2026, at -$2.5M. Texas Community Bank ranks 42nd of 184 Texas banks on CET1 ratio, in the upper half at 25.01% (Q2 2026). Against a median of 13.48% for banks in the $1B-10B asset tier, Texas Community Bank reported 25.01% on CET1 ratio in Q2 2026, 11.53 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.01% |
| Tier 1 risk-based capital ratio | 25.01% |
| Total risk-based capital ratio | 26.27% |
| Tier 1 leverage ratio | 12.78% |
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 | $278.3M |
| Tier 1 capital | $278.3M |
| Total risk-based capital | $292.3M |
| Total equity capital | $275.8M |
| Risk-weighted assets | $1.11B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.51% |
| Tangible equity to tangible assets | 12.51% |
| Equity capital to average assets | 12.66% |
| Internal capital growth rate | 1.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $62.5M |
| Retained earnings | $215.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 23.90% | 23.90% | 25.16% | 12.39% | $1.00B |
| Q4 2023 | 24.16% | 24.16% | 25.43% | 12.66% | $1.02B |
| Q1 2024 | 24.85% | 24.85% | 26.11% | 13.32% | $1.03B |
| Q2 2024 | 24.72% | 24.72% | 25.98% | 13.45% | $1.06B |
| Q3 2024 | 24.89% | 24.89% | 26.15% | 13.45% | $1.06B |
| Q4 2024 | 25.09% | 25.09% | 26.35% | 13.82% | $1.10B |
| Q1 2025 | 25.69% | 25.69% | 26.95% | 14.15% | $1.12B |
| Q2 2025 | 26.79% | 26.79% | 28.05% | 14.15% | $1.08B |
| Q3 2025 | 25.92% | 25.92% | 27.18% | 13.94% | $1.13B |
| Q4 2025 | 24.04% | 24.04% | 25.31% | 12.33% | $1.11B |
| Q1 2026 | 25.30% | 25.30% | 26.57% | 12.85% | $1.10B |
| Q2 2026 | 25.01% | 25.01% | 26.27% | 12.78% | $1.11B |
Texas Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24563) · FFIEC NIC profile (RSSD 528960)