Texas First Bank: Regulatory Capital and Risk-Weighted Assets

As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.

Community bank leverage ratio 9.96% Well capitalized at 9.00%; cushion +0.96 pp Asset-tier median 10.52%; peer median 9.73%

Download the Excel workbook (Pro) Same numbers in the API Stress it in the capital planner

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.

Community bank leverage ratio 9.96% +0.96 pp over well capitalized

This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.

Tier 1 capital	$235.1M	235,120	RCOA8274
Divided by average total assets for the leverage ratio	$2.36B	2,360,343	RCOAA224
Recomputed ratio	9.96%		numerator / denominator
Filed ratio	9.96%		RCOA7204
Regulatory minimum	4.00%
Well-capitalized level	9.00%
Cushion over that level	+0.96 pp	$22.7M	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	77,924	77,924	77,924	77,924	77,924	77,924	RCOAP742
Retained earnings	174,371	166,599	183,593	177,279	172,025	166,581	RCOAKW00
Accumulated other comprehensive income	(24,240)	(22,831)	(20,689)	(23,122)	(28,625)	(29,607)	RCOAB530
Common equity Tier 1 minority interest	0	0	0	0	0	0	RCOAP839
Common equity Tier 1 capital before adjustments and deductions	228,055	221,692	240,828	232,081	221,324	214,898	RCOAP840
Adjustments and deductions from common equity Tier 1	7,065	5,630	3,462	5,863	11,335	12,285	P859 - P840
Common equity Tier 1 capital	235,120	227,322	244,290	237,944	232,659	227,183	RCOAP859
Additional Tier 1 capital	0	0	0	0	0	0	RCOAP865
Tier 1 capital	235,120	227,322	244,290	237,944	232,659	227,183	RCOA8274
Tier 2 capital	NA	19,694	19,347	19,046	18,717	18,399
Allowance includable in Tier 2 capital	NA	19,694	19,347	19,046	18,717	18,399
Total capital	NA	247,016	263,637	256,990	251,376	245,582
Total risk-weighted assets	NA	1,653,156	1,581,110	1,653,518	1,601,378	1,619,031
Average total assets for the leverage ratio	2,360,343	2,390,975	2,367,833	2,333,485	2,323,297	2,335,383	RCOAA224

Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.

12 quarters against the asset-tier median

Tier 1 leverage ratio: this bank (solid) and the asset-tier median (dashed)

Quarter	Framework	CET1	Tier 1	Total capital	Leverage	Tier median CET1	Tier median Tier 1	Tier median Total capital	Tier median Leverage
2Q26	CBLR	NA	NA	NA	9.96%	13.52%	13.55%	14.66%	10.52%
1Q26	Risk-based	13.75%	13.75%	14.94%	9.51%	13.45%	13.46%	14.59%	10.46%
4Q25	Risk-based	15.45%	15.45%	16.67%	10.32%	13.36%	13.37%	14.44%	10.38%
3Q25	Risk-based	14.39%	14.39%	15.54%	10.20%	13.38%	13.39%	14.51%	10.37%
2Q25	Risk-based	14.53%	14.53%	15.70%	10.01%	13.21%	13.21%	14.27%	10.30%
1Q25	Risk-based	14.03%	14.03%	15.17%	9.73%	13.15%	13.17%	14.26%	10.24%
4Q24	Risk-based	14.52%	14.52%	15.72%	9.81%	13.02%	13.05%	14.10%	10.07%
3Q24	Risk-based	13.97%	13.97%	15.13%	9.64%	12.97%	13.02%	14.13%	10.12%
2Q24	Risk-based	13.66%	13.66%	14.80%	9.63%	12.93%	12.94%	14.06%	10.10%
1Q24	Risk-based	14.23%	14.23%	15.41%	9.56%	12.90%	12.91%	14.02%	10.06%
4Q23	Risk-based	14.09%	14.09%	15.26%	9.57%	12.81%	12.82%	13.92%	10.01%
3Q23	Risk-based	14.48%	14.48%	15.68%	9.36%	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 First Bank (this bank)		CBLR	NA	NA	NA	9.96%
The Bank of Commerce	$2.34B	Risk-based	19.09%	19.09%	20.35%	15.69%
Bank Iowa	$2.35B	Risk-based	10.87%	10.87%	12.10%	8.94%
Luana Savings Bank	$2.34B	CBLR	NA	NA	NA	9.70%
Pioneer Bank, N.A.	$2.34B	Risk-based	13.22%	13.22%	14.48%	9.97%
Farmers and Merchants Trust Company of Chambersburg	$2.34B	Risk-based	12.47%	12.47%	13.73%	8.83%
First Bank of the Lake	$2.34B	Risk-based	15.90%	15.90%	17.16%	7.08%
Hanover Community Bank	$2.33B	Risk-based	13.59%	13.59%	14.84%	9.76%
Commercial Bank	$2.36B	Risk-based	13.02%	13.02%	13.97%	11.58%
Crews Bank & Trust	$2.33B	CBLR	NA	NA	NA	10.69%
OMB Bank	$2.36B	Risk-based	9.88%	9.88%	11.13%	9.16%
Peer 25th percentile			12.07%	12.07%	13.32%	8.99%
Peer median			13.12%	13.12%	14.22%	9.73%
Peer 75th percentile			14.17%	14.17%	15.42%	10.51%
This bank's percentile			NA	NA	NA	60

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/473266/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.