Texas Heritage National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.35% (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: 4.35% (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 11.14% +4.64 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 | $94.9M | 94,862 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $851.5M | 851,472 | RCOAA223 |
| Recomputed ratio | 11.14% | numerator / denominator | |
| Filed ratio | 11.14% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.64 pp | $39.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.14% +3.14 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 | $94.9M | 94,862 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $851.5M | 851,472 | RCOAA223 |
| Recomputed ratio | 11.14% | numerator / denominator | |
| Filed ratio | 11.14% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.14 pp | $26.7M | capital that could be lost first |
Total risk-based capital ratio 12.35% +2.35 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 | $105.2M | 105,153 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $851.5M | 851,472 | RCOAA223 |
| Recomputed ratio | 12.35% | numerator / denominator | |
| Filed ratio | 12.35% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.35 pp | $20.0M | capital that could be lost first |
Tier 1 leverage ratio 10.17% +5.17 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 | $94.9M | 94,862 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $932.7M | 932,664 | RCOAA224 |
| Recomputed ratio | 10.17% | numerator / denominator | |
| Filed ratio | 10.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.17 pp | $48.2M | 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 | 52,380 | 52,380 | 52,380 | 52,380 | 52,380 | 52,380 | RCOAP742 |
| Retained earnings | 42,542 | 40,337 | 38,727 | 35,428 | 31,983 | 30,708 | RCOAKW00 |
| Accumulated other comprehensive income | (11) | 35 | 23 | 6 | (57) | (33) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 94,911 | 92,752 | 91,130 | 87,814 | 84,306 | 83,055 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (49) | (95) | (83) | (66) | (3) | (27) | P859 - P840 |
| Common equity Tier 1 capital | 94,862 | 92,657 | 91,047 | 87,748 | 84,303 | 83,028 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 94,862 | 92,657 | 91,047 | 87,748 | 84,303 | 83,028 | RCOA8274 |
| Tier 2 capital | 10,291 | 10,087 | 9,885 | 10,554 | 9,681 | 8,405 | RCOA5311 |
| Allowance includable in Tier 2 capital | 10,291 | 10,087 | 9,885 | 10,554 | 9,681 | 8,405 | RCOA5310 |
| Total capital | 105,153 | 102,744 | 100,932 | 98,302 | 93,984 | 91,433 | RCOA3792 |
| Total risk-weighted assets | 851,472 | 835,250 | 864,299 | 846,399 | 851,758 | 805,857 | RCOAA223 |
| Average total assets for the leverage ratio | 932,664 | 932,365 | 952,357 | 946,041 | 911,427 | 881,800 | 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 | $42.4M | $7.9M | 18.56% | 0.92% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $498K | $99K | 20.00% | 0.01% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $70.5M | $14.1M | 20.00% | 1.66% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $155.9M | $81.3M | 52.13% | 9.54% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $9.9M | $14.8M | 150.00% | 1.74% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $637.7M | $637.7M | 100.00% | 74.90% | RC-R Part II, item 4.d, 5.d |
| All other assets | $25.4M | $22.7M | 89.55% | 2.67% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $66.0M | $66.0M | 100.00% | 7.75% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $6.9M | NA | 0.81% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $844.5M | does not tie to item 31 ($848.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $851.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $851.5M | 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 | 11.14% | 11.14% | 12.35% | 10.17% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.09% | 11.09% | 12.30% | 9.94% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.53% | 10.53% | 11.68% | 9.56% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.37% | 10.37% | 11.61% | 9.28% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 9.90% | 9.90% | 11.03% | 9.25% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.30% | 10.30% | 11.35% | 9.42% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 9.82% | 9.82% | 10.81% | 9.05% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.30% | 10.30% | 11.24% | 9.87% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.22% | 10.22% | 11.13% | 9.82% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 9.28% | 9.28% | 10.19% | 8.85% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.39% | 10.39% | 11.37% | 9.09% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.60% | 9.60% | 10.62% | 8.32% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Heritage National Bank (this bank) | Risk-based | 11.14% | 11.14% | 12.35% | 10.17% | |
| Pinnacle Bank | $937.0M | Risk-based | 16.45% | 16.45% | 17.54% | 11.88% |
| First Commerce Bank | $935.1M | CBLR | NA | NA | NA | 10.21% |
| American Plus Bank, N.A. | $935.0M | CBLR | NA | NA | NA | 16.46% |
| Newfirst National Bank | $934.9M | CBLR | NA | NA | NA | 12.47% |
| Passumpsic Savings Bank | $934.5M | Risk-based | 19.67% | 19.67% | 20.84% | 13.06% |
| Security Bank | $939.0M | Risk-based | 13.34% | 13.34% | 14.60% | 11.84% |
| Bank of Eastern Oregon | $933.6M | CBLR | NA | NA | NA | 11.59% |
| United Prairie Bank | $939.3M | CBLR | NA | NA | NA | 9.68% |
| Bank of Botetourt | $939.4M | CBLR | NA | NA | NA | 11.00% |
| FNB Oxford Bank | $939.7M | CBLR | NA | NA | NA | 11.87% |
| Peer 25th percentile | 14.89% | 14.89% | 16.07% | 11.15% | ||
| Peer median | 16.45% | 16.45% | 17.54% | 11.86% | ||
| Peer 75th percentile | 18.06% | 18.06% | 19.19% | 12.32% | ||
| This bank's percentile | 0 | 0 | 0 | 10 |
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/824653/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.