Valuebank Texas: 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.
In Q2 2026, Retained earnings edged up by 1.8%, from $28.6M to $29.1M, the largest move among the key lines here.
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 | 12.54% |
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 | $38.1M |
| Tier 1 capital | $38.1M |
| Total risk-based capital | — |
| Total equity capital | $37.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.19% |
| Tangible equity to tangible assets | 12.19% |
| Equity capital to average assets | 12.17% |
| Internal capital growth rate | 5.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $7.0M |
| Retained earnings | $29.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.30% | 11.07% | 11.07% |
| Q4 2023 | 12.24% | 11.38% | 11.38% |
| Q1 2024 | 12.41% | 11.37% | 11.37% |
| Q2 2024 | 12.26% | 11.41% | 11.41% |
| Q3 2024 | 12.53% | 12.22% | 12.22% |
| Q4 2024 | 12.03% | 11.62% | 11.62% |
| Q1 2025 | 12.73% | 11.99% | 11.99% |
| Q2 2025 | 12.78% | 12.16% | 12.16% |
| Q3 2025 | 12.60% | 12.53% | 12.53% |
| Q4 2025 | 12.04% | 11.90% | 11.90% |
| Q1 2026 | 12.63% | 12.13% | 12.13% |
| Q2 2026 | 12.54% | 12.19% | 12.19% |
Valuebank Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Valuebank Texas, 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 Valuebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19700) · FFIEC NIC profile (RSSD 964157)