Texas 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%.
Total risk-based capital ratio dropped 3.53 percentage points in Q2 2026, from 29.52% to 25.99%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas National Bank is 41st of 184 on CET1 ratio, 25.05% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Texas National Bank reported 25.05% on CET1 ratio in Q2 2026, 9.98 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.05% |
| Tier 1 risk-based capital ratio | 25.05% |
| Total risk-based capital ratio | 25.99% |
| Tier 1 leverage ratio | 10.97% |
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 | $16.1M |
| Tier 1 capital | $16.1M |
| Total risk-based capital | $16.7M |
| Total equity capital | $10.3M |
| Risk-weighted assets | $64.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.37% |
| Tangible equity to tangible assets | 6.91% |
| Equity capital to average assets | 6.95% |
| Internal capital growth rate | 3.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $6.4M |
| Retained earnings | $9.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.5M |
| 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 | 25.42% | 25.42% | 26.47% | 8.73% | $61.2M |
| Q4 2023 | 25.91% | 25.91% | 26.99% | 8.75% | $59.5M |
| Q1 2024 | 25.85% | 25.85% | 26.92% | 8.76% | $59.7M |
| Q2 2024 | 25.44% | 25.44% | 26.50% | 9.24% | $60.9M |
| Q3 2024 | 25.42% | 25.42% | 26.49% | 10.11% | $60.9M |
| Q4 2024 | 25.74% | 25.74% | 26.82% | 10.18% | $60.1M |
| Q1 2025 | 27.61% | 27.61% | 28.67% | 10.34% | $56.3M |
| Q2 2025 | 27.40% | 27.40% | 28.46% | 10.94% | $57.2M |
| Q3 2025 | 28.66% | 28.66% | 29.74% | 11.00% | $56.0M |
| Q4 2025 | 28.34% | 28.34% | 29.42% | 11.05% | $56.1M |
| Q1 2026 | 28.44% | 28.44% | 29.52% | 11.00% | $56.3M |
| Q2 2026 | 25.05% | 25.05% | 25.99% | 10.97% | $64.3M |
Texas National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34014) · FFIEC NIC profile (RSSD 1435092)