Texas Heritage Bank: Regulatory Capital and Risk-Weighted Assets
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As of 3Q25, from Call Report Schedule RC-R.
Capital conservation buffer: 7.22% (3Q25), 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: 7.22% (RCOAH311).
What each ratio is made of, 3Q25
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 13.97% +7.47 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 | $21.5M | 21,546 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $154.3M | 154,267 | RCOAA223 |
| Recomputed ratio | 13.97% | numerator / denominator | |
| Filed ratio | 13.97% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.47 pp | $11.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.97% +5.97 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 | $21.5M | 21,546 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $154.3M | 154,267 | RCOAA223 |
| Recomputed ratio | 13.97% | numerator / denominator | |
| Filed ratio | 13.97% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.97 pp | $9.2M | capital that could be lost first |
Total risk-based capital ratio 15.22% +5.22 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 | $23.5M | 23,475 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $154.3M | 154,267 | RCOAA223 |
| Recomputed ratio | 15.22% | numerator / denominator | |
| Filed ratio | 15.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.22 pp | $8.0M | capital that could be lost first |
Tier 1 leverage ratio 9.94% +4.94 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 | $21.5M | 21,546 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $216.8M | 216,825 | RCOAA224 |
| Recomputed ratio | 9.94% | numerator / denominator | |
| Filed ratio | 9.94% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.94 pp | $10.7M | 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 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 27,602 | 27,602 | 27,602 | RCOAP742 |
| Retained earnings | 447 | (368) | (1,099) | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,049 | 27,234 | 26,503 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (6,503) | (6,678) | (6,853) | P859 - P840 |
| Common equity Tier 1 capital | 21,546 | 20,556 | 19,650 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 21,546 | 20,556 | 19,650 | RCOA8274 |
| Tier 2 capital | 1,929 | 1,841 | 1,855 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,929 | 1,841 | 1,855 | RCOA5310 |
| Total capital | 23,475 | 22,397 | 21,505 | RCOA3792 |
| Total risk-weighted assets | 154,267 | 147,307 | 148,415 | RCOAA223 |
| Average total assets for the leverage ratio | 216,825 | 214,037 | 207,964 | RCOAA224 |
Risk-weighted assets by exposure category, 3Q25
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 |
|---|---|---|---|---|---|
| Market risk and other approaches | NA | $154.3M | NA | 100.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $0 | ties to item 31 ($0) |
|---|---|---|
| Risk-weighted assets before deductions | $154.3M | RCONB704 |
| Less: excess allowance for credit losses | $71K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $154.3M | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 3Q25 | Risk-based | 13.97% | 13.97% | 15.22% | 9.94% | 14.80% | 14.82% | 15.95% | 10.87% |
| 2Q25 | Risk-based | 13.95% | 13.95% | 15.20% | 9.60% | 14.72% | 14.75% | 15.90% | 10.79% |
| 1Q25 | Risk-based | 13.24% | 13.24% | 14.49% | 9.45% | 14.75% | 14.78% | 15.92% | 10.69% |
| 4Q24 | Risk-based | 14.31% | 14.31% | 15.54% | 9.85% | 14.62% | 14.67% | 15.71% | 10.60% |
| 3Q24 | Risk-based | 14.22% | 14.22% | 15.40% | 9.78% | 14.65% | 14.65% | 15.77% | 10.69% |
| 2Q24 | Risk-based | 14.71% | 14.71% | 15.86% | 9.95% | 14.52% | 14.54% | 15.66% | 10.59% |
| 1Q24 | Risk-based | 15.58% | 15.58% | 16.77% | 9.97% | 14.54% | 14.58% | 15.68% | 10.53% |
| 4Q23 | Risk-based | 16.09% | 16.09% | 17.32% | 10.33% | 14.40% | 14.42% | 15.55% | 10.54% |
| 3Q23 | Risk-based | 16.11% | 16.11% | 17.36% | 10.27% | 14.62% | 14.64% | 15.73% | 10.58% |
| 2Q23 | Risk-based | 16.55% | 16.55% | 17.80% | 10.53% | 14.60% | 14.62% | 15.75% | 10.48% |
| 1Q23 | Risk-based | 17.32% | 17.32% | 18.57% | 10.53% | 14.64% | 14.65% | 15.74% | 10.35% |
| 4Q22 | Risk-based | 17.41% | 17.41% | 18.66% | 9.96% | 14.41% | 14.44% | 15.53% | 10.27% |
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, 3Q25
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Texas Heritage Bank (this bank) | Risk-based | 13.97% | 13.97% | 15.22% | 9.94% | |
| Stockgrowers State Bank | $227.1M | CBLR | NA | NA | NA | 13.71% |
| Muenster State Bank | $227.0M | CBLR | NA | NA | NA | 14.80% |
| Eagle Bank | $226.9M | Risk-based | 21.13% | 21.13% | 22.39% | 14.15% |
| Community Bank of Cameron | $226.9M | Risk-based | 13.11% | 13.11% | 14.37% | 8.72% |
| Charter Bank | $227.5M | CBLR | NA | NA | NA | 11.30% |
| Embassy National Bank | $227.9M | Risk-based | 13.73% | 13.73% | 14.94% | 11.76% |
| First Farmers and Commercial Bank | $226.4M | Risk-based | 13.97% | 13.97% | 15.23% | 9.74% |
| Neighborhood National Bank | $228.0M | CBLR | NA | NA | NA | 11.96% |
| Bank of Wiggins | $228.1M | CBLR | NA | NA | NA | 14.21% |
| Peer 25th percentile | 13.58% | 13.58% | 14.79% | 11.30% | ||
| Peer median | 13.85% | 13.85% | 15.08% | 11.96% | ||
| Peer 75th percentile | 15.76% | 15.76% | 17.02% | 14.15% | ||
| This bank's percentile | 50 | 50 | 50 | 22 |
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/702359/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.