TIB, N.A.: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.54 percentage points to 14.60%. Within Texas, TIB, N.A. is 56th of 184 on CET1 ratio, 20.49% as of Q2 2026, above the middle of the field. TIB, N.A.'s CET1 ratio of 20.49% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 7.02 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.49% |
| Tier 1 risk-based capital ratio | 20.49% |
| Total risk-based capital ratio | 21.75% |
| Tier 1 leverage ratio | 13.22% |
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 | $431.2M |
| Tier 1 capital | $431.2M |
| Total risk-based capital | $457.5M |
| Total equity capital | $432.2M |
| Risk-weighted assets | $2.10B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.60% |
| Tangible equity to tangible assets | 14.41% |
| Equity capital to average assets | 13.22% |
| Internal capital growth rate | 9.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $106.0M |
| Retained earnings | $324.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 16.13% | 16.13% | 17.38% | 11.63% | $2.19B |
| Q4 2023 | 16.58% | 16.58% | 17.81% | 11.43% | $2.21B |
| Q1 2024 | 17.01% | 17.01% | 18.26% | 11.44% | $2.18B |
| Q2 2024 | 17.31% | 17.31% | 18.55% | 12.29% | $2.19B |
| Q3 2024 | 17.03% | 17.03% | 18.20% | 12.79% | $2.27B |
| Q4 2024 | 17.02% | 17.02% | 18.15% | 12.28% | $2.29B |
| Q1 2025 | 17.47% | 17.47% | 18.64% | 12.77% | $2.25B |
| Q2 2025 | 17.18% | 17.18% | 18.33% | 12.59% | $2.33B |
| Q3 2025 | 18.92% | 18.92% | 20.17% | 12.66% | $2.16B |
| Q4 2025 | 19.74% | 19.74% | 20.99% | 12.56% | $2.11B |
| Q1 2026 | 20.45% | 20.45% | 21.70% | 12.94% | $2.06B |
| Q2 2026 | 20.49% | 20.49% | 21.75% | 13.22% | $2.10B |
TIB, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TIB, N.A., 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 TIB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23647) · FFIEC NIC profile (RSSD 529958)