Texas Republic Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 13.35% +4.35 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $68.2M | 68,233 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $511.1M | 511,146 | RCOAA224 |
| Recomputed ratio | 13.35% | numerator / denominator | |
| Filed ratio | 13.35% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.35 pp | $22.2M | 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 | 18,140 | 18,140 | 18,140 | 18,091 | 18,091 | 18,091 | RCOAP742 |
| Retained earnings | 51,185 | 51,911 | 49,638 | 47,248 | 45,063 | 46,230 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 69,325 | 70,051 | 67,778 | 65,339 | 63,154 | 64,321 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,092) | (1,092) | (1,092) | (1,092) | (1,092) | (1,092) | P859 - P840 |
| Common equity Tier 1 capital | 68,233 | 68,959 | 66,686 | 64,247 | 62,062 | 63,229 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 68,233 | 68,959 | 66,686 | 64,247 | 62,062 | 63,229 | RCOA8274 |
| Tier 2 capital | NA | NA | 5,298 | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | 5,298 | NA | NA | NA | |
| Total capital | NA | NA | 71,984 | NA | NA | NA | |
| Total risk-weighted assets | NA | NA | 422,807 | NA | NA | NA | |
| Average total assets for the leverage ratio | 511,146 | 503,202 | 497,416 | 487,810 | 489,515 | 493,477 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 13.35% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.70% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.77% | 15.77% | 17.03% | 13.41% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.17% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.68% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.81% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.63% | 15.63% | 16.89% | 12.48% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.00% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.84% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.87% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.32% | 14.32% | 15.57% | 11.76% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.58% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Republic Bank, N.A. (this bank) | CBLR | NA | NA | NA | 13.35% | |
| Citizens Bank of Americus | $511.1M | Risk-based | 17.69% | 17.69% | 18.94% | 10.25% |
| The Bank of Advance | $509.9M | CBLR | NA | NA | NA | 13.01% |
| Citizens State Bank | $511.4M | Risk-based | 16.70% | 16.70% | 18.00% | 13.18% |
| The Callaway Bank | $511.5M | CBLR | NA | NA | NA | 10.12% |
| First State Bank and Trust | $509.6M | Risk-based | 22.37% | 22.37% | 23.51% | 9.25% |
| Rondout Savings Bank | $512.0M | Risk-based | 14.86% | 14.86% | 16.10% | 9.79% |
| State Bank Financial | $512.1M | Risk-based | 13.73% | 13.73% | 14.65% | 9.94% |
| First Robinson Savings Bank, N.A. | $512.1M | Risk-based | 12.93% | 12.93% | 14.08% | 8.74% |
| First State Bank | $512.7M | CBLR | NA | NA | NA | 10.53% |
| The Casey County Bank, Inc. | $508.4M | Risk-based | 11.63% | 11.63% | 12.61% | 8.30% |
| Peer 25th percentile | 13.33% | 13.33% | 14.37% | 9.38% | ||
| Peer median | 14.86% | 14.86% | 16.10% | 10.03% | ||
| Peer 75th percentile | 17.19% | 17.19% | 18.47% | 10.46% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/735067/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.