TexasBank: 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.
Risk-weighted assets rose 4.2% from Q1 2026 to Q2 2026, ending at $1.82B against $1.74B. It was the largest change among the key lines on this page. TexasBank ranks 84th of 184 Texas banks on CET1 ratio, in the upper half at 17.39% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. TexasBank sits 3.90 points higher, at 17.39% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.39% |
| Tier 1 risk-based capital ratio | 17.39% |
| Total risk-based capital ratio | 18.64% |
| Tier 1 leverage ratio | 12.87% |
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 | $315.7M |
| Tier 1 capital | $315.7M |
| Total risk-based capital | $338.4M |
| Total equity capital | $313.6M |
| Risk-weighted assets | $1.82B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.65% |
| Tangible equity to tangible assets | 12.59% |
| Equity capital to average assets | 12.78% |
| Internal capital growth rate | 12.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $21.0M |
| Retained earnings | $295.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 16.15% | 16.15% | 17.40% | 10.47% | $1.37B |
| Q4 2023 | 16.58% | 16.58% | 17.84% | 10.85% | $1.40B |
| Q1 2024 | 16.90% | 16.90% | 18.16% | 10.56% | $1.42B |
| Q2 2024 | 16.87% | 16.87% | 18.12% | 10.72% | $1.49B |
| Q3 2024 | 17.54% | 17.54% | 18.79% | 11.05% | $1.49B |
| Q4 2024 | 18.38% | 18.38% | 19.63% | 10.93% | $1.48B |
| Q1 2025 | 18.21% | 18.21% | 19.46% | 10.79% | $1.52B |
| Q2 2025 | 17.05% | 17.05% | 18.30% | 11.45% | $1.66B |
| Q3 2025 | 17.47% | 17.47% | 18.72% | 12.02% | $1.66B |
| Q4 2025 | 17.91% | 17.91% | 19.16% | 12.30% | $1.66B |
| Q1 2026 | 17.59% | 17.59% | 18.84% | 12.67% | $1.74B |
| Q2 2026 | 17.39% | 17.39% | 18.64% | 12.87% | $1.82B |
TexasBank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TexasBank, 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 TexasBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19559) · FFIEC NIC profile (RSSD 232856)