TIB, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 13.75% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 13.75% (RCOAH311).
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.
Common equity Tier 1 ratio 20.49% +13.99 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $431.2M | 431,181 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,103,871 | RCOAA223 |
| Recomputed ratio | 20.49% | numerator / denominator | |
| Filed ratio | 20.49% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +13.99 pp | $294.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.49% +12.49 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $431.2M | 431,181 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,103,871 | RCOAA223 |
| Recomputed ratio | 20.49% | numerator / denominator | |
| Filed ratio | 20.49% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.49 pp | $262.9M | capital that could be lost first |
Total risk-based capital ratio 21.75% +11.75 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $457.5M | 457,500 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.10B | 2,103,871 | RCOAA223 |
| Recomputed ratio | 21.75% | numerator / denominator | |
| Filed ratio | 21.75% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +11.75 pp | $247.1M | capital that could be lost first |
Tier 1 leverage ratio 13.22% +8.22 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $431.2M | 431,181 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.26B | 3,262,632 | RCOAA224 |
| Recomputed ratio | 13.22% | numerator / denominator | |
| Filed ratio | 13.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.22 pp | $268.0M | 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 | 113,027 | 113,027 | 113,027 | 113,027 | 113,027 | 113,027 | RCOAP742 |
| Retained earnings | 324,657 | 314,177 | 309,141 | 301,652 | 292,569 | 284,948 | RCOAKW00 |
| Accumulated other comprehensive income | (5,516) | (5,386) | (5,012) | (5,417) | (6,341) | (7,037) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 432,168 | 421,818 | 417,156 | 409,262 | 399,255 | 390,938 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (987) | (813) | (1,258) | (925) | 159 | 1,661 | P859 - P840 |
| Common equity Tier 1 capital | 431,181 | 421,005 | 415,898 | 408,337 | 399,414 | 392,599 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 431,181 | 421,005 | 415,898 | 408,337 | 399,414 | 392,599 | RCOA8274 |
| Tier 2 capital | 26,319 | 25,777 | 26,348 | 26,991 | 26,754 | 26,179 | RCOA5311 |
| Allowance includable in Tier 2 capital | 26,319 | 25,777 | 26,348 | 26,991 | 26,754 | 26,179 | RCOA5310 |
| Total capital | 457,500 | 446,782 | 442,246 | 435,328 | 426,168 | 418,778 | RCOA3792 |
| Total risk-weighted assets | 2,103,871 | 2,059,176 | 2,106,553 | 2,158,194 | 2,325,236 | 2,246,800 | RCOAA223 |
| Average total assets for the leverage ratio | 3,262,632 | 3,253,212 | 3,311,704 | 3,224,297 | 3,172,659 | 3,075,296 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $870.1M | $85.9M | 9.87% | 4.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $161.9M | $32.4M | 20.00% | 1.54% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $31.3M | $6.3M | 20.00% | 0.30% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $461.7M | $232.8M | 50.42% | 11.06% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $11.0M | $16.5M | 150.00% | 0.78% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.31B | $1.31B | 100.00% | 62.27% | RC-R Part II, item 4.d, 5.d |
| All other assets | $101.3M | $96.4M | 95.16% | 4.58% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $285.9M | $285.9M | 100.00% | 13.58% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $220K | $44K | 20.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $38.1M | NA | 1.81% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.07B | ties to item 31 ($2.07B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.11B | RCONB704 |
| Less: excess allowance for credit losses | $1.7M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.10B | RCONG641, ties |
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 | Risk-based | 20.49% | 20.49% | 21.75% | 13.22% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 20.45% | 20.45% | 21.70% | 12.94% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 19.74% | 19.74% | 20.99% | 12.56% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 18.92% | 18.92% | 20.17% | 12.66% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 17.18% | 17.18% | 18.33% | 12.59% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 17.47% | 17.47% | 18.64% | 12.77% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 17.02% | 17.02% | 18.15% | 12.28% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 17.03% | 17.03% | 18.20% | 12.79% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.31% | 17.31% | 18.55% | 12.29% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 17.01% | 17.01% | 18.26% | 11.44% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 16.58% | 16.58% | 17.81% | 11.43% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 16.13% | 16.13% | 17.38% | 11.63% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| TIB, N.A. (this bank) | Risk-based | 20.49% | 20.49% | 21.75% | 13.22% | |
| Texas Regional Bank | $2.95B | Risk-based | 12.06% | 12.06% | 13.08% | 8.77% |
| Fidelity Bank | $2.97B | Risk-based | 13.16% | 13.16% | 14.28% | 9.50% |
| West Coast Community Bank | $2.94B | Risk-based | 13.15% | 13.15% | 14.40% | 12.05% |
| First Federal Savings and Loan Association of Lakewood | $2.94B | Risk-based | 11.93% | 11.93% | 12.92% | 8.37% |
| First Fidelity Bank | $2.98B | CBLR | NA | NA | NA | 10.22% |
| Minnwest Bank | $2.94B | Risk-based | 12.08% | 12.08% | 13.33% | 10.80% |
| Maine Community Bank | $2.98B | CBLR | NA | NA | NA | 10.11% |
| Bryant Bank | $2.94B | Risk-based | 18.98% | 18.98% | 19.93% | 9.53% |
| Susser Bank | $2.99B | Risk-based | 11.65% | 11.65% | 12.90% | 10.10% |
| NexTier Bank, N.A. | $2.93B | Risk-based | 12.11% | 12.11% | 13.27% | 9.64% |
| Peer 25th percentile | 12.02% | 12.02% | 13.04% | 9.51% | ||
| Peer median | 12.10% | 12.10% | 13.30% | 9.87% | ||
| Peer 75th percentile | 13.15% | 13.15% | 14.31% | 10.19% | ||
| This bank's percentile | 100 | 100 | 100 | 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/529958/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.