Transpecos Banks, SSB: 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%.
Retained earnings dropped 40.7% in Q2 2026, from $9.6M to $5.7M. It was the largest change from Q1 2026 among the key lines here. Transpecos Banks, SSB has the 2nd lowest CET1 ratio of the 184 banks headquartered in Texas, at 9.49% as of Q2 2026. Transpecos Banks, SSB reported 9.49% on CET1 ratio for Q2 2026, 5.58 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.49% |
| Tier 1 risk-based capital ratio | 9.49% |
| Total risk-based capital ratio | 10.45% |
| Tier 1 leverage ratio | 6.67% |
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 | $65.0M |
| Tier 1 capital | $65.0M |
| Total risk-based capital | $71.6M |
| Total equity capital | $65.3M |
| Risk-weighted assets | $685.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.71% |
| Tangible equity to tangible assets | 6.54% |
| Equity capital to average assets | 6.68% |
| Internal capital growth rate | -22.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $59.7M |
| Retained earnings | $5.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | — | — | — | 9.31% | — |
| Q4 2023 | — | — | — | 8.65% | — |
| Q1 2024 | — | — | — | 9.01% | — |
| Q2 2024 | — | — | — | 9.44% | — |
| Q3 2024 | — | — | — | 9.64% | — |
| Q4 2024 | — | — | — | 8.97% | — |
| Q1 2025 | — | — | — | 8.75% | — |
| Q2 2025 | — | — | — | 9.45% | — |
| Q3 2025 | — | — | — | 9.23% | — |
| Q4 2025 | — | — | — | 8.69% | — |
| Q1 2026 | 9.85% | 9.85% | 10.74% | 7.77% | $699.9M |
| Q2 2026 | 9.49% | 9.49% | 10.45% | 6.67% | $685.5M |
Transpecos Banks, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Transpecos Banks, SSB, 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 Transpecos Banks, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11178) · FFIEC NIC profile (RSSD 908861)