Hana Bank USA, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 35.06% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 35.06% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 42.21% +35.71 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $215.3M | 215,340 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $510.1M | 510,147 | RCOAA223 |
| Recomputed ratio | 42.21% | numerator / denominator | |
| Filed ratio | 42.21% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +35.71 pp | $182.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 42.21% +34.21 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $215.3M | 215,340 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $510.1M | 510,147 | RCOAA223 |
| Recomputed ratio | 42.21% | numerator / denominator | |
| Filed ratio | 42.21% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +34.21 pp | $174.5M | capital that could be lost first |
Total risk-based capital ratio 43.06% +33.06 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $219.7M | 219,664 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $510.1M | 510,147 | RCOAA223 |
| Recomputed ratio | 43.06% | numerator / denominator | |
| Filed ratio | 43.06% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +33.06 pp | $168.6M | capital that could be lost first |
Tier 1 leverage ratio 25.41% +20.41 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $215.3M | 215,340 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $847.3M | 847,305 | RCOAA224 |
| Recomputed ratio | 25.41% | numerator / denominator | |
| Filed ratio | 25.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +20.41 pp | $173.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 237,396 | 237,396 | 237,396 | 137,396 | 137,396 | 137,396 | RCOAP742 |
| Retained earnings | (11,131) | (19,531) | (23,132) | (24,907) | (26,617) | (33,289) | RCOAKW00 |
| Accumulated other comprehensive income | (1,529) | (2,196) | (94) | (394) | (1,612) | (1,457) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 224,736 | 215,669 | 214,170 | 112,095 | 109,167 | 102,650 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (9,396) | (2,964) | (5,066) | (4,766) | (3,548) | 1,457 | P859 - P840 |
| Common equity Tier 1 capital | 215,340 | 212,705 | 209,104 | 107,329 | 105,619 | 104,107 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 215,340 | 212,705 | 209,104 | 107,329 | 105,619 | 104,107 | RCOA8274 |
| Tier 2 capital | 4,324 | 4,229 | 5,092 | 5,146 | 5,120 | 4,937 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,324 | 4,229 | 5,092 | 5,146 | 5,120 | 4,937 | RCOA5310 |
| Total capital | 219,664 | 216,934 | 214,196 | 112,475 | 110,739 | 109,044 | RCOA3792 |
| Total risk-weighted assets | 510,147 | 501,445 | 463,546 | 444,510 | 438,513 | 394,827 | RCOAA223 |
| Average total assets for the leverage ratio | 847,305 | 851,127 | 766,901 | 712,415 | 634,883 | 595,155 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $137.6M | $4.8M | 3.46% | 0.93% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $149.3M | $28.3M | 18.95% | 5.55% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $156.6M | $146.7M | 93.64% | 28.75% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $358.0M | $290.8M | 81.23% | 57.00% | RC-R Part II, item 4.d, 5.d |
| All other assets | $40.1M | $33.2M | 82.66% | 6.50% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $35.0M | $6.4M | 18.43% | 1.26% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $510.1M | ties to item 31 ($510.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $510.1M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $510.1M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 42.21% | 42.21% | 43.06% | 25.41% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 42.42% | 42.42% | 43.26% | 24.99% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 45.11% | 45.11% | 46.21% | 27.27% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 24.15% | 24.15% | 25.30% | 15.07% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 24.09% | 24.09% | 25.25% | 16.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 26.37% | 26.37% | 27.62% | 17.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 28.56% | 28.56% | 29.81% | 18.16% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 30.60% | 30.60% | 31.86% | 19.27% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 31.79% | 31.79% | 33.05% | 21.39% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 37.53% | 37.53% | 38.78% | 23.32% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 37.72% | 37.72% | 38.98% | 22.60% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 40.69% | 40.69% | 41.94% | 22.50% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Hana Bank USA, N.A. (this bank) | Risk-based | 42.21% | 42.21% | 43.06% | 25.41% | |
| DMB Community Bank | $835.0M | Risk-based | 16.15% | 16.15% | 17.40% | 10.98% |
| First State Bank of Middlebury | $836.2M | Risk-based | 16.45% | 16.45% | 17.70% | 13.37% |
| West Shore Bank | $833.6M | Risk-based | 11.68% | 11.68% | 12.62% | 9.85% |
| Northeast Bank | $837.3M | Risk-based | 12.31% | 12.31% | 13.17% | 10.13% |
| Timberline Bank | $832.6M | Risk-based | 12.01% | 12.01% | 13.26% | 9.38% |
| Citizens Bank | $832.5M | CBLR | NA | NA | NA | 16.29% |
| Freedom Bank | $838.3M | Risk-based | 11.95% | 11.95% | 12.62% | 9.78% |
| Arthur State Bank | $831.9M | Risk-based | 12.15% | 12.15% | 13.35% | 8.30% |
| Hebron Savings Bank | $838.8M | Risk-based | 16.05% | 16.05% | 17.30% | 13.35% |
| First Century Bank, N.A. | $831.6M | CBLR | NA | NA | NA | 16.84% |
| Peer 25th percentile | 12.00% | 12.00% | 13.03% | 9.80% | ||
| Peer median | 12.23% | 12.23% | 13.31% | 10.56% | ||
| Peer 75th percentile | 16.07% | 16.07% | 17.32% | 13.36% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/609609/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.