Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2025

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, 2025 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, on a consolidated basis, and the Bank, on a bank-only basis, are as follows as of the dates indicated:

	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, 2025
Total Capital (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)	$	106,489		17.24	%	$	64,860		10.50	%	$	61,772		10.00	%
T Bank, N.A. (bank only)		107,628		17.51			64,522		10.50			61,450		10.00
Tier 1 Capital (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)		98,642		15.97			52,506		8.50			49,417		8.00
T Bank, N.A. (bank only)		99,883		16.25			52,232		8.50			49,160		8.00
Common Equity Tier 1 (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)		81,392		13.18			43,240		7.00			40,151		6.50
T Bank, N.A. (bank only)		99,883		16.25			43,015		7.00			39,942		6.50
Tier 1 Capital (to Average Assets)
Tectonic Financial, Inc. (consolidated)		98,642		9.68			40,762		4.00			50,953		5.00
T Bank, N.A. (bank only)		99,883		9.88			40,441		4.00			50,551		5.00

As of December 31, 2024
Total Capital (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)	$	100,559		17.65	%	$	59,823		10.50	%	$	56,974		10.00	%
T Bank, N.A. (bank only)		100,615		17.88			59,094		10.50			56,280		10.00
Tier 1 Capital (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)		93,406		16.39			48,428		8.50			45,579		8.00
T Bank, N.A. (bank only)		93,548		16.62			47,838		8.50			45,024		8.00
Common Equity Tier 1 (to Risk Weighted Assets)
Tectonic Financial, Inc. (consolidated)		76,156		13.37			39,882		7.00			37,033		6.50
T Bank, N.A. (bank only)		93,548		16.62			39,396		7.00			36,582		6.50
Tier 1 Capital (to Average Assets)
Tectonic Financial, Inc. (consolidated)		93,406		11.32			33,006		4.00			41,258		5.00
T Bank, N.A. (bank only)		93,548		11.46			32,665		4.00			40,832		5.00

Tectonic Financial, Inc. 10-Q