Trusttexas Bank, S.S.B.: 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 Total equity capital: 86.0% higher than in Q1 2026, at $5.8M. Trusttexas Bank, S.S.B. ranks 82nd of 184 Texas banks on CET1 ratio, in the upper half at 17.45% (Q2 2026). Trusttexas Bank, S.S.B. reported 17.45% on CET1 ratio for Q2 2026, 2.38 points above 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 | 17.45% |
| Tier 1 risk-based capital ratio | 17.45% |
| Total risk-based capital ratio | 18.47% |
| Tier 1 leverage ratio | 8.02% |
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 | $33.5M |
| Tier 1 capital | $33.5M |
| Total risk-based capital | $35.4M |
| Total equity capital | $5.8M |
| Risk-weighted assets | $191.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 1.48% |
| Tangible equity to tangible assets | 1.48% |
| Equity capital to average assets | 1.40% |
| Internal capital growth rate | 32.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $24.1M |
| Retained earnings | $9.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.6M |
| 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 | 23.80% | 23.80% | 24.76% | 9.13% | $188.2M |
| Q4 2023 | 22.04% | 22.04% | 23.05% | 9.06% | $197.7M |
| Q1 2024 | 23.52% | 23.52% | 24.61% | 9.23% | $181.9M |
| Q2 2024 | 21.95% | 21.95% | 23.00% | 9.52% | $191.8M |
| Q3 2024 | 23.42% | 23.42% | 24.56% | 9.54% | $176.2M |
| Q4 2024 | 21.63% | 21.63% | 22.69% | 9.55% | $188.2M |
| Q1 2025 | 19.42% | 19.42% | 20.60% | 8.01% | $168.1M |
| Q2 2025 | 19.80% | 19.80% | 21.04% | 8.42% | $165.4M |
| Q3 2025 | 15.39% | 15.39% | 16.40% | 8.34% | $214.1M |
| Q4 2025 | 19.56% | 19.56% | 20.64% | 8.28% | $168.8M |
| Q1 2026 | 18.85% | 18.85% | 19.90% | 8.24% | $176.2M |
| Q2 2026 | 17.45% | 17.45% | 18.47% | 8.02% | $191.8M |
Trusttexas Bank, S.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Trusttexas Bank, S.S.B., 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 Trusttexas Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28515) · FFIEC NIC profile (RSSD 539872)