Eureka Homestead: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.44 percentage points to 20.57%. On CET1 ratio, Eureka Homestead ranks 4th highest among the 46 banks headquartered in Louisiana, at 40.92% (Q2 2026). Eureka Homestead's CET1 ratio of 40.92% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 21.35 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 40.92% |
| Tier 1 risk-based capital ratio | 40.92% |
| Total risk-based capital ratio | 42.17% |
| Tier 1 leverage ratio | 21.12% |
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 | $18.5M |
| Tier 1 capital | $18.5M |
| Total risk-based capital | $19.1M |
| Total equity capital | $18.4M |
| Risk-weighted assets | $45.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.57% |
| Tangible equity to tangible assets | 20.57% |
| Equity capital to average assets | 21.00% |
| Internal capital growth rate | -3.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7K |
| Common stock surplus | $6.6M |
| Retained earnings | $11.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$108K |
| 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 | 37.91% | 37.91% | 39.16% | 18.78% | $51.6M |
| Q4 2023 | 37.40% | 37.40% | 38.65% | 18.33% | $51.2M |
| Q1 2024 | 37.25% | 37.25% | 38.51% | 18.24% | $51.6M |
| Q2 2024 | 37.09% | 37.09% | 38.34% | 18.37% | $52.0M |
| Q3 2024 | 37.66% | 37.66% | 38.91% | 19.11% | $51.2M |
| Q4 2024 | 38.51% | 38.51% | 39.76% | 19.14% | $50.0M |
| Q1 2025 | 39.02% | 39.02% | 40.28% | 19.66% | $48.9M |
| Q2 2025 | 38.89% | 38.89% | 40.14% | 20.47% | $48.7M |
| Q3 2025 | 39.37% | 39.37% | 40.63% | 20.63% | $47.8M |
| Q4 2025 | 39.98% | 39.98% | 41.23% | 20.69% | $46.8M |
| Q1 2026 | 40.11% | 40.11% | 41.36% | 20.69% | $46.5M |
| Q2 2026 | 40.92% | 40.92% | 42.17% | 21.12% | $45.2M |
Eureka Homestead regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eureka Homestead, 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 Eureka Homestead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29268) · FFIEC NIC profile (RSSD 794475)