Texas Exchange Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 22.82% (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: 22.82% (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 30.06% +23.56 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 | $384.9M | 384,920 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,280,663 | RCOAA223 |
| Recomputed ratio | 30.06% | numerator / denominator | |
| Filed ratio | 30.06% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +23.56 pp | $301.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 30.06% +22.06 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 | $384.9M | 384,920 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,280,663 | RCOAA223 |
| Recomputed ratio | 30.06% | numerator / denominator | |
| Filed ratio | 30.06% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +22.06 pp | $282.5M | capital that could be lost first |
Total risk-based capital ratio 30.82% +20.82 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 | $394.7M | 394,693 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.28B | 1,280,663 | RCOAA223 |
| Recomputed ratio | 30.82% | numerator / denominator | |
| Filed ratio | 30.82% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +20.82 pp | $266.6M | capital that could be lost first |
Tier 1 leverage ratio 12.44% +7.44 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 | $384.9M | 384,920 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.09B | 3,094,712 | RCOAA224 |
| Recomputed ratio | 12.44% | numerator / denominator | |
| Filed ratio | 12.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.44 pp | $230.2M | 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 | 149,045 | 149,020 | 148,996 | 148,970 | 148,947 | 148,929 | RCOAP742 |
| Retained earnings | 236,693 | 242,516 | 227,255 | 216,516 | 246,832 | 247,351 | RCOAKW00 |
| Accumulated other comprehensive income | (16,867) | (2,822) | 9,350 | 10,749 | 8,178 | (2,785) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 368,871 | 388,714 | 385,601 | 376,235 | 403,957 | 393,495 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 16,049 | 1,839 | (10,165) | (11,528) | (9,052) | 1,982 | P859 - P840 |
| Common equity Tier 1 capital | 384,920 | 390,553 | 375,436 | 364,707 | 394,905 | 395,477 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 384,920 | 390,553 | 375,436 | 364,707 | 394,905 | 395,477 | RCOA8274 |
| Tier 2 capital | 9,773 | 9,304 | 14,720 | 15,879 | 13,990 | 14,386 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,773 | 9,304 | 14,720 | 15,879 | 13,990 | 14,386 | RCOA5310 |
| Total capital | 394,693 | 399,857 | 390,156 | 380,586 | 408,895 | 409,863 | RCOA3792 |
| Total risk-weighted assets | 1,280,663 | 1,274,824 | 1,488,051 | 1,534,121 | 1,373,184 | 1,530,590 | RCOAA223 |
| Average total assets for the leverage ratio | 3,094,712 | 3,044,883 | 3,120,836 | 3,182,408 | 3,186,790 | 3,177,524 | 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 | $1.51B | $201.0M | 13.31% | 15.69% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $157.6M | $33.8M | 21.45% | 2.64% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.50B | $20.2M | 1.35% | 1.58% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $2.1M | $1.9M | 92.13% | 0.15% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $27.5M | $41.2M | 150.00% | 3.22% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $663.7M | $663.7M | 100.00% | 51.82% | RC-R Part II, item 4.d, 5.d |
| All other assets | $201.6M | $143.7M | 71.26% | 11.22% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $7.6M | $7.6M | 100.00% | 0.59% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $78.9M | $78.9M | 100.00% | 6.16% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $88.7M | NA | 6.93% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.19B | ties to item 31 ($1.19B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.28B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.28B | 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 | 30.06% | 30.06% | 30.82% | 12.44% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 30.64% | 30.64% | 31.37% | 12.83% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 25.23% | 25.23% | 26.22% | 12.03% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 23.77% | 23.77% | 24.81% | 11.46% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 28.76% | 28.76% | 29.78% | 12.39% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 25.84% | 25.84% | 26.78% | 12.45% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 22.80% | 22.80% | 23.73% | 12.65% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 22.85% | 22.85% | 24.10% | 13.57% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 19.90% | 19.90% | 21.15% | 12.99% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 23.24% | 23.24% | 24.49% | 14.08% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 26.63% | 26.63% | 27.69% | 15.07% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 20.38% | 20.38% | 21.63% | 12.52% | 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 Exchange Bank (this bank) | Risk-based | 30.06% | 30.06% | 30.82% | 12.44% | |
| First Federal Bank | $4.49B | Risk-based | 20.56% | 20.56% | 21.06% | 10.83% |
| First State Community Bank | $4.51B | Risk-based | 14.35% | 14.35% | 15.43% | 11.68% |
| Metro City Bank | $4.47B | Risk-based | 17.14% | 17.14% | 18.04% | 11.08% |
| Arrow Bank N.A. | $4.46B | Risk-based | 12.71% | 12.71% | 13.87% | 9.33% |
| ChoiceOne Bank | $4.45B | Risk-based | 11.81% | 11.81% | 12.92% | 9.30% |
| Capital City Bank | $4.45B | Risk-based | 18.18% | 18.18% | 19.43% | 10.29% |
| HomeTrust Bank | $4.44B | Risk-based | 13.74% | 13.74% | 14.84% | 12.91% |
| Hingham Institution for Savings | $4.56B | Risk-based | 14.69% | 14.69% | 15.54% | 11.19% |
| International Bank of Commerce | $4.56B | Risk-based | 28.73% | 28.73% | 29.98% | 14.46% |
| American Business Bank | $4.42B | Risk-based | 12.35% | 12.35% | 13.24% | 11.01% |
| Peer 25th percentile | 12.97% | 12.97% | 14.11% | 10.43% | ||
| Peer median | 14.52% | 14.52% | 15.48% | 11.04% | ||
| Peer 75th percentile | 17.92% | 17.92% | 19.08% | 11.56% | ||
| This bank's percentile | 100 | 100 | 100 | 80 |
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/822556/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.