Hana Bank USA, N.A.: 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 standout move of Q2 2026 was in Retained earnings: 43.0% higher than in Q1 2026, at -$11.1M. Within New Jersey, Hana Bank USA, N.A. is 4th of 37 on CET1 ratio, 42.21% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Hana Bank USA, N.A. reported 42.21% on CET1 ratio in Q2 2026, 27.14 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 42.21% |
| Tier 1 risk-based capital ratio | 42.21% |
| Total risk-based capital ratio | 43.06% |
| Tier 1 leverage ratio | 25.41% |
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 | $215.3M |
| Tier 1 capital | $215.3M |
| Total risk-based capital | $219.7M |
| Total equity capital | $224.7M |
| Risk-weighted assets | $510.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 26.91% |
| Tangible equity to tangible assets | 26.91% |
| Equity capital to average assets | 26.17% |
| Internal capital growth rate | 15.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $234.9M |
| Retained earnings | -$11.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 40.69% | 40.69% | 41.94% | 22.50% | $244.1M |
| Q4 2023 | 37.72% | 37.72% | 38.98% | 22.60% | $264.8M |
| Q1 2024 | 37.53% | 37.53% | 38.78% | 23.32% | $268.6M |
| Q2 2024 | 31.79% | 31.79% | 33.05% | 21.39% | $318.8M |
| Q3 2024 | 30.60% | 30.60% | 31.86% | 19.27% | $333.0M |
| Q4 2024 | 28.56% | 28.56% | 29.81% | 18.16% | $361.2M |
| Q1 2025 | 26.37% | 26.37% | 27.62% | 17.49% | $394.8M |
| Q2 2025 | 24.09% | 24.09% | 25.25% | 16.64% | $438.5M |
| Q3 2025 | 24.15% | 24.15% | 25.30% | 15.07% | $444.5M |
| Q4 2025 | 45.11% | 45.11% | 46.21% | 27.27% | $463.5M |
| Q1 2026 | 42.42% | 42.42% | 43.26% | 24.99% | $501.4M |
| Q2 2026 | 42.21% | 42.21% | 43.06% | 25.41% | $510.1M |
Hana Bank USA, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hana Bank USA, N.A., 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 Hana Bank USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26790) · FFIEC NIC profile (RSSD 609609)