Worthington 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%.
The standout move of Q2 2026 was in Retained earnings: 9.1% higher than in Q1 2026, at $21.9M. Worthington Bank ranks 164th of 184 Texas banks on CET1 ratio, in the lower half at 12.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Worthington Bank sits 2.51 points lower, at 12.56% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.56% |
| Tier 1 risk-based capital ratio | 12.56% |
| Total risk-based capital ratio | 13.61% |
| Tier 1 leverage ratio | 9.31% |
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 | $62.8M |
| Tier 1 capital | $62.8M |
| Total risk-based capital | $68.0M |
| Total equity capital | $62.8M |
| Risk-weighted assets | $499.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.31% |
| Internal capital growth rate | 12.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $11.4M |
| Common stock surplus | $29.4M |
| Retained earnings | $21.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| 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 | 11.88% | 11.88% | 12.87% | 8.88% | $394.2M |
| Q4 2023 | 11.36% | 11.36% | 12.30% | 8.62% | $419.6M |
| Q1 2024 | 11.16% | 11.16% | 12.10% | 8.49% | $432.6M |
| Q2 2024 | 10.94% | 10.94% | 11.85% | 8.44% | $447.6M |
| Q3 2024 | 11.34% | 11.34% | 12.27% | 8.59% | $441.0M |
| Q4 2024 | 11.20% | 11.20% | 12.12% | 8.41% | $458.1M |
| Q1 2025 | 11.18% | 11.18% | 12.10% | 8.51% | $470.3M |
| Q2 2025 | 11.17% | 11.17% | 12.10% | 8.75% | $486.8M |
| Q3 2025 | 11.71% | 11.71% | 12.66% | 9.41% | $482.0M |
| Q4 2025 | 12.05% | 12.05% | 13.01% | 9.59% | $488.7M |
| Q1 2026 | 12.27% | 12.27% | 13.26% | 9.41% | $495.7M |
| Q2 2026 | 12.56% | 12.56% | 13.61% | 9.31% | $499.8M |
Worthington Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Worthington 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 Worthington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57414) · FFIEC NIC profile (RSSD 3150205)