Texas Gulf Bank, N.A.: 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: 18.7% lower than in Q1 2026, at -$5.7M.
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 | 11.98% |
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 | $86.7M |
| Tier 1 capital | $86.7M |
| Total risk-based capital | — |
| Total equity capital | $81.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.27% |
| Tangible equity to tangible assets | 11.15% |
| Equity capital to average assets | 11.30% |
| Internal capital growth rate | 7.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.1M |
| Common stock surplus | $9.4M |
| Retained earnings | $75.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 11.95% | 10.03% | 9.88% |
| Q4 2023 | 11.98% | 10.90% | 10.76% |
| Q1 2024 | 11.92% | 10.65% | 10.51% |
| Q2 2024 | 11.91% | 10.47% | 10.34% |
| Q3 2024 | 11.88% | 10.89% | 10.76% |
| Q4 2024 | 11.96% | 11.02% | 10.89% |
| Q1 2025 | 12.35% | 11.48% | 11.35% |
| Q2 2025 | 12.28% | 11.50% | 11.37% |
| Q3 2025 | 11.64% | 11.36% | 11.24% |
| Q4 2025 | 11.70% | 11.18% | 11.07% |
| Q1 2026 | 11.77% | 11.27% | 11.15% |
| Q2 2026 | 11.98% | 11.27% | 11.15% |
Texas Gulf Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Gulf Bank, N.A., 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 Gulf Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3206) · FFIEC NIC profile (RSSD 514655)