WestStar 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%.
Risk-weighted assets rose 4.2% from Q1 2026 to Q2 2026, ending at $3.01B against $2.88B. It was the largest change among the key lines on this page. Within Texas, WestStar Bank is 155th of 184 on CET1 ratio, 13.13% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; WestStar Bank reported 13.13% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.13% |
| Tier 1 risk-based capital ratio | 13.13% |
| Total risk-based capital ratio | 14.07% |
| Tier 1 leverage ratio | 12.27% |
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 | $394.5M |
| Tier 1 capital | $394.5M |
| Total risk-based capital | $422.8M |
| Total equity capital | $383.4M |
| Risk-weighted assets | $3.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.69% |
| Tangible equity to tangible assets | 10.56% |
| Equity capital to average assets | 11.77% |
| Internal capital growth rate | 11.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.1M |
| Common stock surplus | $155.2M |
| Retained earnings | $273.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$52.6M |
| 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 | 11.55% | 11.55% | 12.47% | 10.55% | $2.68B |
| Q4 2023 | 11.65% | 11.65% | 12.60% | 10.56% | $2.74B |
| Q1 2024 | 11.92% | 11.92% | 12.90% | 10.52% | $2.73B |
| Q2 2024 | 12.18% | 12.18% | 13.19% | 10.45% | $2.72B |
| Q3 2024 | 12.30% | 12.30% | 13.39% | 10.65% | $2.74B |
| Q4 2024 | 12.64% | 12.64% | 13.70% | 11.10% | $2.73B |
| Q1 2025 | 12.90% | 12.90% | 13.96% | 11.22% | $2.73B |
| Q2 2025 | 13.22% | 13.22% | 14.21% | 11.46% | $2.74B |
| Q3 2025 | 13.78% | 13.78% | 14.75% | 11.75% | $2.69B |
| Q4 2025 | 13.15% | 13.15% | 14.09% | 11.93% | $2.84B |
| Q1 2026 | 13.31% | 13.31% | 14.25% | 12.19% | $2.88B |
| Q2 2026 | 13.13% | 13.13% | 14.07% | 12.27% | $3.01B |
WestStar Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock WestStar 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 WestStar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32941) · FFIEC NIC profile (RSSD 1447639)