Texas National Bank of Jacksonville: 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 4.7% in Q2 2026 to $71.9M, the biggest move on this page. Texas National Bank of Jacksonville ranks 116th of 184 Texas banks on CET1 ratio, in the lower half at 15.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Texas National Bank of Jacksonville reported 15.31% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.31% |
| Tier 1 risk-based capital ratio | 15.31% |
| Total risk-based capital ratio | 16.57% |
| Tier 1 leverage ratio | 10.08% |
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 | $85.9M |
| Tier 1 capital | $85.9M |
| Total risk-based capital | $93.0M |
| Total equity capital | $84.1M |
| Risk-weighted assets | $561.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
| Equity capital to average assets | 9.86% |
| Internal capital growth rate | 15.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $390K |
| Common stock surplus | $13.7M |
| Retained earnings | $71.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 15.01% | 15.01% | 16.26% | 10.07% | $545.6M |
| Q4 2023 | 15.13% | 15.13% | 16.38% | 10.12% | $545.5M |
| Q1 2024 | 14.83% | 14.83% | 16.09% | 10.36% | $567.2M |
| Q2 2024 | 14.72% | 14.72% | 15.97% | 10.25% | $581.8M |
| Q3 2024 | 15.31% | 15.31% | 16.57% | 10.30% | $571.3M |
| Q4 2024 | 15.10% | 15.10% | 16.35% | 10.31% | $582.2M |
| Q1 2025 | 15.59% | 15.59% | 16.84% | 10.69% | $576.9M |
| Q2 2025 | 16.18% | 16.18% | 17.43% | 10.97% | $571.7M |
| Q3 2025 | 16.36% | 16.36% | 17.61% | 10.96% | $575.4M |
| Q4 2025 | 16.79% | 16.79% | 18.04% | 11.10% | $566.1M |
| Q1 2026 | 14.70% | 14.70% | 15.96% | 9.90% | $562.7M |
| Q2 2026 | 15.31% | 15.31% | 16.57% | 10.08% | $561.5M |
Texas National Bank of Jacksonville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas National Bank of Jacksonville, 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 of Jacksonville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26181) · FFIEC NIC profile (RSSD 739355)