Hanover Community 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.6% to $79.1M. Within New York, Hanover Community Bank is 61st of 82 on CET1 ratio, 13.59% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Hanover Community Bank reported 13.59% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.59% |
| Tier 1 risk-based capital ratio | 13.59% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 9.76% |
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 | $215.7M |
| Tier 1 capital | $215.7M |
| Total risk-based capital | $235.4M |
| Total equity capital | $235.9M |
| Risk-weighted assets | $1.59B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.10% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 10.57% |
| Internal capital growth rate | 8.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $26K |
| Common stock surplus | $157.4M |
| Retained earnings | $79.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$571K |
| 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 | 13.55% | 13.55% | 14.60% | 9.16% | $1.41B |
| Q4 2023 | 13.17% | 13.17% | 14.31% | 9.08% | $1.47B |
| Q1 2024 | 12.99% | 12.99% | 14.19% | 8.90% | $1.51B |
| Q2 2024 | 12.78% | 12.78% | 14.21% | 8.89% | $1.53B |
| Q3 2024 | 12.99% | 12.99% | 14.24% | 8.85% | $1.53B |
| Q4 2024 | 13.32% | 13.32% | 14.58% | 9.13% | $1.51B |
| Q1 2025 | 13.37% | 13.37% | 14.62% | 8.95% | $1.51B |
| Q2 2025 | 13.16% | 13.16% | 14.41% | 9.29% | $1.55B |
| Q3 2025 | 13.13% | 13.13% | 14.38% | 9.15% | $1.56B |
| Q4 2025 | 12.90% | 12.90% | 14.15% | 9.05% | $1.58B |
| Q1 2026 | 13.32% | 13.32% | 14.57% | 9.20% | $1.58B |
| Q2 2026 | 13.59% | 13.59% | 14.84% | 9.76% | $1.59B |
Hanover Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hanover Community 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 Hanover Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58675) · FFIEC NIC profile (RSSD 3793714)