Titan Bank, 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 standout move of Q2 2026 was in Common equity Tier 1 ratio: 5.06 percentage points higher than in Q1 2026, at 34.06%. Titan Bank, N.A. ranks 20th of 184 Texas banks on CET1 ratio, in the upper half at 34.06% (Q2 2026). Titan Bank, N.A.'s CET1 ratio of 34.06% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 18.99 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 34.06% |
| Tier 1 risk-based capital ratio | 34.06% |
| Total risk-based capital ratio | 35.31% |
| Tier 1 leverage ratio | 9.16% |
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 | $120.2M |
| Tier 1 capital | $120.2M |
| Total risk-based capital | $124.6M |
| Total equity capital | $113.3M |
| Risk-weighted assets | $352.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.65% |
| Tangible equity to tangible assets | 12.65% |
| Equity capital to average assets | 8.63% |
| Internal capital growth rate | 50.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $10.8M |
| Retained earnings | $109.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | 21.75% | 21.75% | 23.01% | 10.01% | $240.0M |
| Q4 2023 | 23.36% | 23.36% | 24.61% | 11.17% | $243.0M |
| Q1 2024 | 23.94% | 23.94% | 25.19% | 9.93% | $248.3M |
| Q2 2024 | 22.90% | 22.90% | 24.15% | 10.43% | $263.0M |
| Q3 2024 | 23.11% | 23.11% | 24.36% | 10.74% | $274.5M |
| Q4 2024 | 23.81% | 23.81% | 25.06% | 9.72% | $285.1M |
| Q1 2025 | 24.62% | 24.62% | 25.86% | 9.92% | $282.4M |
| Q2 2025 | 22.97% | 22.97% | 24.20% | 9.32% | $318.6M |
| Q3 2025 | 55.46% | 55.46% | 56.72% | 21.04% | $336.8M |
| Q4 2025 | 18.58% | 18.58% | 19.79% | 9.64% | $460.0M |
| Q1 2026 | 29.00% | 29.00% | 30.26% | 11.67% | $370.8M |
| Q2 2026 | 34.06% | 34.06% | 35.31% | 9.16% | $352.9M |
Titan Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Titan Bank, 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 Titan Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3225) · FFIEC NIC profile (RSSD 328357)