TXN Bank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 2.7% to $32.8M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.68% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $66.5M |
| Tier 1 capital | $66.5M |
| Total risk-based capital | — |
| Total equity capital | $51.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.66% |
| Tangible equity to tangible assets | 7.60% |
| Equity capital to average assets | 7.46% |
| Internal capital growth rate | 6.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $32.1M |
| Retained earnings | $32.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.7M |
| 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 | 15.81% | 15.81% | 16.94% | 9.32% | $384.8M |
| Q4 2023 | 16.22% | 16.22% | 17.41% | 9.28% | $377.9M |
| Q1 2024 | 16.49% | 16.49% | 17.71% | 9.05% | $370.9M |
| Q2 2024 | 16.33% | 16.33% | 17.55% | 8.90% | $375.0M |
| Q3 2024 | 16.02% | 16.02% | 17.19% | 9.09% | $383.7M |
| Q4 2024 | 16.08% | 16.08% | 17.22% | 9.36% | $387.7M |
| Q1 2025 | 15.68% | 15.68% | 16.86% | 9.65% | $395.1M |
| Q2 2025 | 15.30% | 15.30% | 16.55% | 9.64% | $407.3M |
| Q3 2025 | 15.23% | 15.23% | 16.35% | 9.68% | $418.1M |
| Q4 2025 | 15.70% | 15.70% | 16.89% | 9.68% | $411.9M |
| Q1 2026 | 16.09% | 16.09% | 17.28% | 9.81% | $407.6M |
| Q2 2026 | — | — | — | 9.68% | — |
TXN Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TXN Bank, 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 TXN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15345) · FFIEC NIC profile (RSSD 77253)