Texas Heritage National 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%.
Compared with Q1 2026, Retained earnings rose 5.5% in Q2 2026 to $42.5M, the biggest move on this page. Texas Heritage National Bank has the 6th lowest CET1 ratio of the 184 banks headquartered in Texas, at 11.14% as of Q2 2026. Texas Heritage National Bank reported 11.14% on CET1 ratio for Q2 2026, 3.93 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.14% |
| Tier 1 risk-based capital ratio | 11.14% |
| Total risk-based capital ratio | 12.35% |
| Tier 1 leverage ratio | 10.17% |
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 | $94.9M |
| Tier 1 capital | $94.9M |
| Total risk-based capital | $105.2M |
| Total equity capital | $94.9M |
| Risk-weighted assets | $851.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.14% |
| Tangible equity to tangible assets | 10.13% |
| Equity capital to average assets | 10.18% |
| Internal capital growth rate | 9.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $280K |
| Common stock surplus | $52.1M |
| Retained earnings | $42.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11K |
| 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 | 9.60% | 9.60% | 10.62% | 8.32% | $513.1M |
| Q4 2023 | 10.39% | 10.39% | 11.37% | 9.09% | $525.4M |
| Q1 2024 | 9.28% | 9.28% | 10.19% | 8.85% | $592.4M |
| Q2 2024 | 10.22% | 10.22% | 11.13% | 9.82% | $666.2M |
| Q3 2024 | 10.30% | 10.30% | 11.24% | 9.87% | $738.1M |
| Q4 2024 | 9.82% | 9.82% | 10.81% | 9.05% | $786.1M |
| Q1 2025 | 10.30% | 10.30% | 11.35% | 9.42% | $805.9M |
| Q2 2025 | 9.90% | 9.90% | 11.03% | 9.25% | $851.8M |
| Q3 2025 | 10.37% | 10.37% | 11.61% | 9.28% | $846.4M |
| Q4 2025 | 10.53% | 10.53% | 11.68% | 9.56% | $864.3M |
| Q1 2026 | 11.09% | 11.09% | 12.30% | 9.94% | $835.2M |
| Q2 2026 | 11.14% | 11.14% | 12.35% | 10.17% | $851.5M |
Texas Heritage National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Heritage National 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 Heritage National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3161) · FFIEC NIC profile (RSSD 824653)