XML 47 R37.htm IDEA: XBRL DOCUMENT

Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2021

Disclosure Text Block [Abstract]

Schedule of Regulatory Capital Ratio Requirments under Banking Regulations [Table Text Block]

In addition, the Basel III regulatory capital reforms (“Basel III”) implemented a capital conservation buffer of 2.5%. The Basel III minimum capital ratio requirements as applicable to the Company and the Bank are summarized in the table below.

		BASEL III Minimum for Capital Adequacy Requirements				BASEL III Additional Capital Conservation Buffer				BASEL III Ratio with Capital Conservation Buffer
Total Risk Based Capital (total capital to risk weighted assets)			8.0	%			2.5	%			10.5	%
Tier 1 Risk Based Capital (tier 1 to risk weighted assets)			6.0	%			2.5	%			8.5	%
Common Equity Tier 1 Risk Based ( CET1 to risk weighted assets)			4.5	%			2.5	%			7.0	%
Tier 1 Leverage Ratio (tier 1 to average assets)			4.0	%			-	%			4.0	%

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

The regulatory capital ratios of the Company and the Bank are as follows:

		Actual								Minimum Capital Required - Basel III								Required to be Considered Well Capitalized
(In thousands, except percentages)		Amount				Ratio				Amount				Ratio				Amount				Ratio
As of December 31, 2021
Total Capital (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)		$	66,946				18.55	%		$	37,894				10.50	%		$	36,089				10.00	%
T Bank, N.A.			67,454				18.87				37,542				10.50				35,754				10.00
Tier 1 Capital (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)			62,794				17.40				30,676				8.50				28,871				8.00
T Bank, N.A.			63,302				17.70				30,391				8.50				28,604				8.00
Common Equity Tier 1 (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)			45,544				12.62				25,263				7.00				23,458				6.50
T Bank, N.A.			63,302				17.70				25,028				7.00				23,240				6.50
Tier 1 Capital (to Average Assets)
Tectonic Financial, Inc. (consolidated)			62,794				11.82				21,245				4.00				26,557				5.00
T Bank, N.A.			63,302				12.06				21,002				4.00				26,252				5.00

As of December 31, 2020
Total Capital (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)		$	50,987				18.22	%		$	29,379				10.50	%		$	27,980				10.00	%
T Bank, N.A.			50,012				18.25				28,782				10.50				27,411				10.00
Tier 1 Capital (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)			48,046				17.17				23,783				8.50				22,384				8.00
T Bank, N.A.			47,071				17.17				23,299				8.50				21,929				8.00
Common Equity Tier 1 (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)			30,796				11.01				19,586				7.00				18,187				6.50
T Bank, N.A.			47,071				17.17				19,188				7.00				17,817				6.50
Tier 1 Capital (to Average Assets)
Tectonic Financial, Inc. (consolidated)			48,046				11.66				16,480				4.00				20,601				5.00
T Bank, N.A.			47,071				11.58				16,257				4.00				20,322				5.00