The Hardin County Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 10.84% +1.84 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $73.6M | 73,581 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $679.0M | 679,029 | RCOAA224 |
| Recomputed ratio | 10.84% | numerator / denominator | |
| Filed ratio | 10.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.84 pp | $12.5M | 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 | 15,475 | 15,475 | 15,475 | 15,475 | 15,475 | 15,475 | RCOAP742 |
| Retained earnings | 58,106 | 55,820 | 53,785 | 54,451 | 52,216 | 50,445 | RCOAKW00 |
| Accumulated other comprehensive income | (9,435) | (9,897) | (9,345) | (9,911) | (11,511) | (10,598) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 64,146 | 61,398 | 59,915 | 60,015 | 56,180 | 55,322 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,435 | 9,897 | 9,345 | 9,911 | 11,511 | 10,598 | P859 - P840 |
| Common equity Tier 1 capital | 73,581 | 71,295 | 69,260 | 69,926 | 67,691 | 65,920 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 73,581 | 71,295 | 69,260 | 69,926 | 67,691 | 65,920 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 679,029 | 674,196 | 655,070 | 645,495 | 642,925 | 640,035 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 10.84% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.57% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.57% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.83% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.53% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.30% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.26% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.93% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.73% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.43% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.24% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.59% | 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 |
|---|---|---|---|---|---|---|
| The Hardin County Bank (this bank) | CBLR | NA | NA | NA | 10.84% | |
| The Stephenson National Bank and Trust | $676.8M | CBLR | NA | NA | NA | 10.07% |
| Springs Valley Bank & Trust Company | $675.3M | Risk-based | 14.17% | 14.17% | 15.45% | 12.50% |
| Apple River State Bank | $675.2M | Risk-based | 14.75% | 14.75% | 15.64% | 9.74% |
| Farmers Bank | $678.4M | Risk-based | 21.96% | 21.96% | 23.22% | 15.90% |
| Henderson State Bank | $678.5M | CBLR | NA | NA | NA | 10.41% |
| First Federal Savings and Loan Association of McMinnville | $678.7M | Risk-based | 20.86% | 20.86% | 22.05% | 11.90% |
| PS Bank | $674.5M | CBLR | NA | NA | NA | 11.25% |
| First State Bank | $674.3M | CBLR | NA | NA | NA | 12.40% |
| First Southern Bank | $679.2M | CBLR | NA | NA | NA | 8.95% |
| Peer 25th percentile | 14.61% | 14.61% | 15.59% | 10.07% | ||
| Peer median | 17.81% | 17.81% | 18.85% | 11.25% | ||
| Peer 75th percentile | 21.14% | 21.14% | 22.34% | 12.40% | ||
| This bank's percentile | NA | NA | NA | 44 |
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/526854/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.