Texas Regional 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: 10.6% higher than in Q1 2026, at -$51.6M. On CET1 ratio, Texas Regional Bank is 13th from the bottom among 184 Texas banks, 12.06% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Texas Regional Bank sits 1.42 points lower, at 12.06% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.06% |
| Tier 1 risk-based capital ratio | 12.06% |
| Total risk-based capital ratio | 13.08% |
| Tier 1 leverage ratio | 8.77% |
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 | $266.7M |
| Tier 1 capital | $266.7M |
| Total risk-based capital | $289.4M |
| Total equity capital | $271.2M |
| Risk-weighted assets | $2.21B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.19% |
| Tangible equity to tangible assets | 7.43% |
| Equity capital to average assets | 8.76% |
| Internal capital growth rate | 0.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $210.7M |
| Retained earnings | $111.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$51.6M |
| 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 | 12.34% | 12.34% | 13.11% | 8.66% | $1.91B |
| Q4 2023 | 13.19% | 13.19% | 14.01% | 8.47% | $1.81B |
| Q1 2024 | 13.64% | 13.64% | 14.48% | 8.87% | $1.78B |
| Q2 2024 | 13.48% | 13.48% | 14.34% | 8.84% | $1.78B |
| Q3 2024 | 13.87% | 13.87% | 14.77% | 9.06% | $1.77B |
| Q4 2024 | 13.66% | 13.66% | 14.59% | 8.80% | $1.80B |
| Q1 2025 | 13.29% | 13.29% | 14.20% | 8.91% | $1.87B |
| Q2 2025 | 12.62% | 12.62% | 13.52% | 8.68% | $2.00B |
| Q3 2025 | 12.64% | 12.64% | 13.54% | 8.78% | $2.04B |
| Q4 2025 | 12.67% | 12.67% | 13.59% | 8.74% | $2.09B |
| Q1 2026 | 12.24% | 12.24% | 13.27% | 8.83% | $2.17B |
| Q2 2026 | 12.06% | 12.06% | 13.08% | 8.77% | $2.21B |
Texas Regional Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Regional 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 Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26906) · FFIEC NIC profile (RSSD 380458)