Texas Regional Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.08% (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: 5.08% (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 12.06% +5.56 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 | $266.7M | 266,733 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.21B | 2,212,420 | RCOAA223 |
| Recomputed ratio | 12.06% | numerator / denominator | |
| Filed ratio | 12.06% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.56 pp | $122.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.06% +4.06 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 | $266.7M | 266,733 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.21B | 2,212,420 | RCOAA223 |
| Recomputed ratio | 12.06% | numerator / denominator | |
| Filed ratio | 12.06% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.06 pp | $89.7M | capital that could be lost first |
Total risk-based capital ratio 13.08% +3.08 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 | $289.4M | 289,404 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.21B | 2,212,420 | RCOAA223 |
| Recomputed ratio | 13.08% | numerator / denominator | |
| Filed ratio | 13.08% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.08 pp | $68.2M | capital that could be lost first |
Tier 1 leverage ratio 8.77% +3.77 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 | $266.7M | 266,733 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.04B | 3,040,100 | RCOAA224 |
| Recomputed ratio | 8.77% | numerator / denominator | |
| Filed ratio | 8.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.77 pp | $114.7M | 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 | 211,277 | 211,184 | 211,020 | 210,926 | 210,816 | 210,747 | RCOAP742 |
| Retained earnings | 111,566 | 110,912 | 111,008 | 105,140 | 99,887 | 97,300 | RCOAKW00 |
| Accumulated other comprehensive income | (51,637) | (57,765) | (56,340) | (61,306) | (72,753) | (69,142) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 271,206 | 264,331 | 265,688 | 254,760 | 237,950 | 238,905 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (4,473) | 993 | (1,093) | 3,205 | 13,990 | 9,641 | P859 - P840 |
| Common equity Tier 1 capital | 266,733 | 265,324 | 264,595 | 257,965 | 251,940 | 248,546 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 266,733 | 265,324 | 264,595 | 257,965 | 251,940 | 248,546 | RCOA8274 |
| Tier 2 capital | 22,671 | 22,468 | 19,215 | 18,522 | 17,970 | 16,963 | RCOA5311 |
| Allowance includable in Tier 2 capital | 22,671 | 22,468 | 19,215 | 18,522 | 17,970 | 16,963 | RCOA5310 |
| Total capital | 289,404 | 287,792 | 283,810 | 276,487 | 269,910 | 265,509 | RCOA3792 |
| Total risk-weighted assets | 2,212,420 | 2,168,308 | 2,088,298 | 2,041,442 | 1,996,839 | 1,869,883 | RCOAA223 |
| Average total assets for the leverage ratio | 3,040,100 | 3,005,267 | 3,027,024 | 2,939,395 | 2,902,996 | 2,789,383 | 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 | $94.4M | $12.8M | 13.50% | 0.58% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $786.0M | $179.9M | 22.89% | 8.13% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $7.7M | $1.5M | 20.00% | 0.07% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $290.5M | $152.8M | 52.61% | 6.91% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $84.9M | $127.4M | 150.00% | 5.76% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $10.2M | $15.3M | 150.00% | 0.69% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.41B | $1.35B | 95.78% | 61.10% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $54.0M | $27.0M | 50.00% | 1.22% | RC-R Part II, item 7 |
| All other assets | $240.2M | $220.0M | 91.60% | 9.94% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $119.5M | $122.2M | 102.31% | 5.52% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.7M | NA | 0.08% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.21B | ties to item 31 ($2.21B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.21B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.21B | 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 | 12.06% | 12.06% | 13.08% | 8.77% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.24% | 12.24% | 13.27% | 8.83% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.67% | 12.67% | 13.59% | 8.74% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.64% | 12.64% | 13.54% | 8.78% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.62% | 12.62% | 13.52% | 8.68% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.29% | 13.29% | 14.20% | 8.91% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.66% | 13.66% | 14.59% | 8.80% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.87% | 13.87% | 14.77% | 9.06% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.48% | 13.48% | 14.34% | 8.84% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.64% | 13.64% | 14.48% | 8.87% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.19% | 13.19% | 14.01% | 8.47% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.34% | 12.34% | 13.11% | 8.66% | 12.78% | 12.79% | 13.93% | 10.03% |
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 Regional Bank (this bank) | Risk-based | 12.06% | 12.06% | 13.08% | 8.77% | |
| West Coast Community Bank | $2.94B | Risk-based | 13.15% | 13.15% | 14.40% | 12.05% |
| First Federal Savings and Loan Association of Lakewood | $2.94B | Risk-based | 11.93% | 11.93% | 12.92% | 8.37% |
| Minnwest Bank | $2.94B | Risk-based | 12.08% | 12.08% | 13.33% | 10.80% |
| TIB, N.A. | $2.96B | Risk-based | 20.49% | 20.49% | 21.75% | 13.22% |
| Bryant Bank | $2.94B | Risk-based | 18.98% | 18.98% | 19.93% | 9.53% |
| Fidelity Bank | $2.97B | Risk-based | 13.16% | 13.16% | 14.28% | 9.50% |
| NexTier Bank, N.A. | $2.93B | Risk-based | 12.11% | 12.11% | 13.27% | 9.64% |
| First Fidelity Bank | $2.98B | CBLR | NA | NA | NA | 10.22% |
| Maine Community Bank | $2.98B | CBLR | NA | NA | NA | 10.11% |
| Susser Bank | $2.99B | Risk-based | 11.65% | 11.65% | 12.90% | 10.10% |
| Peer 25th percentile | 12.04% | 12.04% | 13.18% | 9.56% | ||
| Peer median | 12.63% | 12.63% | 13.81% | 10.11% | ||
| Peer 75th percentile | 14.61% | 14.61% | 15.78% | 10.65% | ||
| This bank's percentile | 25 | 25 | 25 | 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/380458/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.