Texas Exchange 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 Equity capital to total assets: 0.88 percentage points lower than in Q1 2026, at 8.21%. Texas Exchange Bank ranks 27th of 184 Texas banks on CET1 ratio, in the upper half at 30.06% (Q2 2026). Texas Exchange Bank's CET1 ratio of 30.06% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 16.56 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 30.06% |
| Tier 1 risk-based capital ratio | 30.06% |
| Total risk-based capital ratio | 30.82% |
| Tier 1 leverage ratio | 12.44% |
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 | $384.9M |
| Tier 1 capital | $384.9M |
| Total risk-based capital | $394.7M |
| Total equity capital | $368.9M |
| Risk-weighted assets | $1.28B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.21% |
| Tangible equity to tangible assets | 8.20% |
| Equity capital to average assets | 11.92% |
| Internal capital growth rate | -5.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $146.5M |
| Retained earnings | $236.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.9M |
| 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 | 20.38% | 20.38% | 21.63% | 12.52% | $1.66B |
| Q4 2023 | 26.63% | 26.63% | 27.69% | 15.07% | $1.53B |
| Q1 2024 | 23.24% | 23.24% | 24.49% | 14.08% | $1.64B |
| Q2 2024 | 19.90% | 19.90% | 21.15% | 12.99% | $1.85B |
| Q3 2024 | 22.85% | 22.85% | 24.10% | 13.57% | $1.78B |
| Q4 2024 | 22.80% | 22.80% | 23.73% | 12.65% | $1.77B |
| Q1 2025 | 25.84% | 25.84% | 26.78% | 12.45% | $1.53B |
| Q2 2025 | 28.76% | 28.76% | 29.78% | 12.39% | $1.37B |
| Q3 2025 | 23.77% | 23.77% | 24.81% | 11.46% | $1.53B |
| Q4 2025 | 25.23% | 25.23% | 26.22% | 12.03% | $1.49B |
| Q1 2026 | 30.64% | 30.64% | 31.37% | 12.83% | $1.27B |
| Q2 2026 | 30.06% | 30.06% | 30.82% | 12.44% | $1.28B |
Texas Exchange Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20099) · FFIEC NIC profile (RSSD 822556)