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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 17.6% lower than in Q1 2026, at -$10.2M. Within Texas, Texas National Bank is 121st of 184 on CET1 ratio, 15.07% as of Q2 2026, below the middle of the field. Texas National Bank reported 15.07% on CET1 ratio for Q2 2026, 1.59 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.33% |
| 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 | $123.5M |
| Tier 1 capital | $123.5M |
| Total risk-based capital | $133.7M |
| Total equity capital | $114.9M |
| Risk-weighted assets | $819.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.45% |
| Tangible equity to tangible assets | 9.36% |
| Equity capital to average assets | 9.46% |
| Internal capital growth rate | 12.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $47.7M |
| Retained earnings | $77.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.2M |
| 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 | 17.77% | 17.77% | 19.03% | 11.13% | $490.5M |
| Q4 2023 | 17.32% | 17.32% | 18.58% | 10.84% | $515.9M |
| Q1 2024 | 16.41% | 16.41% | 17.66% | 10.35% | $551.9M |
| Q2 2024 | 15.95% | 15.95% | 17.20% | 10.58% | $583.0M |
| Q3 2024 | 14.95% | 14.95% | 16.20% | 10.83% | $648.0M |
| Q4 2024 | 15.11% | 15.11% | 16.36% | 10.75% | $661.1M |
| Q1 2025 | 15.13% | 15.13% | 16.39% | 10.67% | $681.2M |
| Q2 2025 | 15.14% | 15.14% | 16.40% | 10.87% | $703.3M |
| Q3 2025 | 14.99% | 14.99% | 16.24% | 10.70% | $734.4M |
| Q4 2025 | 14.66% | 14.66% | 15.91% | 10.67% | $794.6M |
| Q1 2026 | 14.93% | 14.93% | 16.18% | 10.28% | $802.7M |
| Q2 2026 | 15.07% | 15.07% | 16.33% | 10.17% | $819.0M |
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 3337) · FFIEC NIC profile (RSSD 497954)