Bank of Hydro: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 11.45%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.56% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $20.7M |
| Tier 1 capital | $20.7M |
| Total risk-based capital | — |
| Total equity capital | $20.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.45% |
| Tangible equity to tangible assets | 11.45% |
| Equity capital to average assets | 11.56% |
| Internal capital growth rate | 5.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $3.8M |
| Retained earnings | $16.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.87% | 11.45% | 11.45% |
| Q4 2023 | 11.47% | 11.45% | 11.45% |
| Q1 2024 | 11.57% | 11.45% | 11.45% |
| Q2 2024 | 11.71% | 11.41% | 11.41% |
| Q3 2024 | 11.73% | 11.56% | 11.56% |
| Q4 2024 | 10.50% | 9.06% | 9.06% |
| Q1 2025 | 10.32% | 10.95% | 10.95% |
| Q2 2025 | 11.21% | 11.42% | 11.42% |
| Q3 2025 | 11.72% | 11.83% | 11.83% |
| Q4 2025 | 12.04% | 11.98% | 11.98% |
| Q1 2026 | 11.58% | 11.24% | 11.24% |
| Q2 2026 | 11.56% | 11.45% | 11.45% |
Bank of Hydro regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hydro, 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 Bank of Hydro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10674) · FFIEC NIC profile (RSSD 291059)