The Hamilton Bank: 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%.
Total equity capital climbed 10.0% in Q2 2026, from $6.0M to $6.6M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, The Hamilton Bank is 21st of 98 on CET1 ratio, 17.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Hamilton Bank sits 2.14 points higher, at 17.21% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.21% |
| Tier 1 risk-based capital ratio | 17.21% |
| Total risk-based capital ratio | 17.63% |
| Tier 1 leverage ratio | 9.29% |
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 | $11.6M |
| Tier 1 capital | $11.6M |
| Total risk-based capital | $11.9M |
| Total equity capital | $6.6M |
| Risk-weighted assets | $67.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.53% |
| Tangible equity to tangible assets | 5.53% |
| Equity capital to average assets | 5.29% |
| Internal capital growth rate | 13.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $200K |
| Retained earnings | $11.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.0M |
| 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 | 14.26% | 14.26% | 14.68% | 9.60% | $69.5M |
| Q4 2023 | 14.47% | 14.47% | 14.90% | 10.06% | $69.2M |
| Q1 2024 | 15.12% | 15.12% | 15.56% | 9.84% | $66.8M |
| Q2 2024 | 15.14% | 15.14% | 15.56% | 10.23% | $68.1M |
| Q3 2024 | 16.98% | 16.98% | 17.45% | 10.28% | $61.3M |
| Q4 2024 | 15.10% | 15.10% | 15.50% | 10.02% | $70.2M |
| Q1 2025 | 16.75% | 16.75% | 17.19% | 9.85% | $64.3M |
| Q2 2025 | 16.04% | 16.04% | 16.45% | 9.81% | $68.3M |
| Q3 2025 | 16.86% | 16.86% | 17.29% | 9.74% | $66.0M |
| Q4 2025 | 16.71% | 16.71% | 17.07% | 10.08% | $67.2M |
| Q1 2026 | 17.19% | 17.19% | 17.62% | 9.81% | $66.5M |
| Q2 2026 | 17.21% | 17.21% | 17.63% | 9.29% | $67.6M |
The Hamilton Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hamilton Bank, 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 The Hamilton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15606) · FFIEC NIC profile (RSSD 723550)