Texas State 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.5% between Q1 2026 and Q2 2026, to $46.9M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.58% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $57.5M |
| Tier 1 capital | $57.5M |
| Total risk-based capital | — |
| Total equity capital | $54.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.77% |
| Tangible equity to tangible assets | 12.75% |
| Equity capital to average assets | 12.83% |
| Internal capital growth rate | 8.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $9.7M |
| Retained earnings | $46.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 17.34% | 17.34% | 18.01% | 11.81% | $273.3M |
| Q4 2023 | 18.56% | 18.56% | 19.29% | 12.02% | $254.7M |
| Q1 2024 | 17.23% | 17.23% | 17.93% | 11.84% | $282.1M |
| Q2 2024 | 19.41% | 19.41% | 20.19% | 12.16% | $260.8M |
| Q3 2024 | 18.13% | 18.13% | 18.84% | 13.15% | $291.0M |
| Q4 2024 | 19.69% | 19.69% | 20.52% | 12.51% | $266.4M |
| Q1 2025 | 18.59% | 18.59% | 19.38% | 12.58% | $292.5M |
| Q2 2025 | 20.91% | 20.91% | 21.79% | 13.75% | $270.8M |
| Q3 2025 | 21.37% | 21.37% | 22.27% | 14.10% | $275.6M |
| Q4 2025 | 19.40% | 19.40% | 20.30% | 12.94% | $282.2M |
| Q1 2026 | — | — | — | 13.45% | — |
| Q2 2026 | — | — | — | 13.58% | — |
Texas State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18698) · FFIEC NIC profile (RSSD 748964)