Hamlin Bank and Trust Company: 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 Retained earnings, which rose 4.4% to $93.0M.
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 | 19.96% |
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 | $98.2M |
| Tier 1 capital | $98.2M |
| Total risk-based capital | — |
| Total equity capital | $101.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.17% |
| Tangible equity to tangible assets | 20.17% |
| Equity capital to average assets | 20.53% |
| Internal capital growth rate | 15.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $927K |
| Common stock surplus | $7.1M |
| Retained earnings | $93.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $608K |
| 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 | 20.72% | 18.22% | 18.22% |
| Q4 2023 | 21.24% | 19.52% | 19.52% |
| Q1 2024 | 20.89% | 20.15% | 20.15% |
| Q2 2024 | 21.26% | 19.81% | 19.81% |
| Q3 2024 | 21.91% | 20.63% | 20.63% |
| Q4 2024 | 21.24% | 20.39% | 20.39% |
| Q1 2025 | 20.59% | 20.18% | 20.18% |
| Q2 2025 | 20.51% | 20.12% | 20.12% |
| Q3 2025 | 20.71% | 20.55% | 20.55% |
| Q4 2025 | 20.04% | 20.18% | 20.18% |
| Q1 2026 | 19.77% | 19.74% | 19.74% |
| Q2 2026 | 19.96% | 20.17% | 20.17% |
Hamlin Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hamlin Bank and Trust Company, 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 Hamlin Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11113) · FFIEC NIC profile (RSSD 291611)