Hancock County Savings Bank, F.S.B.: 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%.
Equity capital to average assets fell 0.35 percentage points from Q1 2026 to Q2 2026, ending at 18.35% against 18.71%. It was the largest change among the key lines on this page. Hancock County Savings Bank, F.S.B. has the highest CET1 ratio of the 15 banks headquartered in West Virginia, 35.62% as of Q2 2026. Hancock County Savings Bank, F.S.B.'s CET1 ratio of 35.62% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 20.55 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 35.62% |
| Tier 1 risk-based capital ratio | 35.62% |
| Total risk-based capital ratio | 36.88% |
| Tier 1 leverage ratio | 18.37% |
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 | $92.5M |
| Tier 1 capital | $92.5M |
| Total risk-based capital | $95.7M |
| Total equity capital | $92.4M |
| Risk-weighted assets | $259.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.19% |
| Tangible equity to tangible assets | 18.18% |
| Equity capital to average assets | 18.35% |
| Internal capital growth rate | 4.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $92.5M |
| 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 | 34.94% | 34.94% | 36.19% | 18.04% | $236.9M |
| Q4 2023 | 35.02% | 35.02% | 36.27% | 18.04% | $237.5M |
| Q1 2024 | 34.98% | 34.98% | 36.23% | 18.31% | $240.1M |
| Q2 2024 | 34.89% | 34.89% | 36.15% | 18.24% | $243.0M |
| Q3 2024 | 34.67% | 34.67% | 35.92% | 18.16% | $246.9M |
| Q4 2024 | 34.69% | 34.69% | 35.94% | 18.04% | $248.7M |
| Q1 2025 | 34.69% | 34.69% | 35.95% | 17.94% | $251.3M |
| Q2 2025 | 34.69% | 34.69% | 35.94% | 17.79% | $253.8M |
| Q3 2025 | 34.97% | 34.97% | 36.22% | 18.30% | $254.9M |
| Q4 2025 | 35.29% | 35.29% | 36.55% | 18.69% | $255.2M |
| Q1 2026 | 35.82% | 35.82% | 37.08% | 18.69% | $255.0M |
| Q2 2026 | 35.62% | 35.62% | 36.88% | 18.37% | $259.6M |
Hancock County Savings Bank, F.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hancock County Savings Bank, F.S.B., 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 Hancock County Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29035) · FFIEC NIC profile (RSSD 888271)