Texas Security 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: 8.0% higher than in Q1 2026, at -$16.3M. Within Texas, Texas Security Bank is 151st of 184 on CET1 ratio, 13.35% as of Q2 2026, below the middle of the field. At 13.35%, Texas Security Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.35% |
| Tier 1 risk-based capital ratio | 13.35% |
| Total risk-based capital ratio | 14.55% |
| Tier 1 leverage ratio | 9.57% |
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 | $135.7M |
| Tier 1 capital | $135.7M |
| Total risk-based capital | $148.0M |
| Total equity capital | $119.5M |
| Risk-weighted assets | $1.02B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.69% |
| Tangible equity to tangible assets | 8.69% |
| Equity capital to average assets | 8.42% |
| Internal capital growth rate | 9.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $13.2M |
| Common stock surplus | $33.0M |
| Retained earnings | $89.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.3M |
| 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 | 12.21% | 12.21% | 13.38% | 8.61% | $907.3M |
| Q4 2023 | 12.32% | 12.32% | 13.55% | 8.83% | $906.1M |
| Q1 2024 | 12.57% | 12.57% | 13.80% | 9.16% | $906.1M |
| Q2 2024 | 12.82% | 12.82% | 14.05% | 9.42% | $904.2M |
| Q3 2024 | 12.62% | 12.62% | 13.87% | 9.44% | $911.0M |
| Q4 2024 | 13.46% | 13.46% | 14.71% | 9.59% | $881.0M |
| Q1 2025 | 13.75% | 13.75% | 15.00% | 9.86% | $869.1M |
| Q2 2025 | 13.36% | 13.36% | 14.61% | 9.74% | $902.4M |
| Q3 2025 | 13.56% | 13.56% | 14.81% | 9.72% | $914.3M |
| Q4 2025 | 13.94% | 13.94% | 15.08% | 9.80% | $927.6M |
| Q1 2026 | 13.07% | 13.07% | 14.20% | 10.01% | $1.02B |
| Q2 2026 | 13.35% | 13.35% | 14.55% | 9.57% | $1.02B |
Texas Security Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58739) · FFIEC NIC profile (RSSD 3619216)