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Regulatory Matters (Tables)
9 Months Ended
Sep. 30, 2022
Disclosure Text Block [Abstract]  
Schedule of Regulatory Capital Ratio Requirments under Banking Regulations [Table Text Block]

The Basel III minimum capital ratio requirements and additional capital conservation buffers as applicable to the Company and the Bank as of September 30, 2022 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 September 30, 2022

                                               

Total Capital (to Risk Weighted Assets)

                                               

Tectonic Financial, Inc. (consolidated)

  $ 78,129       20.59

%

  $ 39,849       10.50

%

  $ 37,952       10.00

%

T Bank, N.A.

    78,062       20.78       39,444       10.50       37,566       10.00  

Tier 1 Capital (to Risk Weighted Assets)

                                               

Tectonic Financial, Inc. (consolidated)

    73,959       19.49       32,259       8.50       30,362       8.00  

T Bank, N.A.

    73,893       19.67       31,931       8.50       30,053       8.00  

Common Equity Tier 1 (to Risk Weighted Assets)

                                               

Tectonic Financial, Inc. (consolidated)

    56,709       14.94       26,566       7.00       24,669       6.50  

T Bank, N.A.

    73,893       19.67       26,296       7.00       24,418       6.50  

Tier 1 Capital (to Average Assets)

                                               

Tectonic Financial, Inc. (consolidated)

    73,959       12.92       22,895       4.00       28,619       5.00  

T Bank, N.A.

    73,893       13.12       22,522       4.00       28,152       5.00  
                                                 

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