Hardin County Savings 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%.
Total equity capital climbed 15.3% in Q2 2026, from $21.3M to $24.5M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Hardin County Savings Bank is 64th of 114 on CET1 ratio, 13.38% as of Q2 2026, below the middle of the field. Hardin County Savings Bank reported 13.38% on CET1 ratio for Q2 2026, 1.69 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.38% |
| Tier 1 risk-based capital ratio | 13.38% |
| Total risk-based capital ratio | 14.06% |
| Tier 1 leverage ratio | 9.79% |
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 | $38.9M |
| Tier 1 capital | $38.9M |
| Total risk-based capital | $40.9M |
| Total equity capital | $24.5M |
| Risk-weighted assets | $290.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.09% |
| Tangible equity to tangible assets | 6.09% |
| Equity capital to average assets | 6.16% |
| Internal capital growth rate | 13.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $11.0M |
| Retained earnings | $26.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.4M |
| 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 | 13.46% | 13.46% | 14.29% | 9.55% | $238.0M |
| Q4 2023 | 13.22% | 13.22% | 14.07% | 9.95% | $249.8M |
| Q1 2024 | 13.57% | 13.57% | 14.32% | 9.90% | $246.2M |
| Q2 2024 | 14.00% | 14.00% | 14.54% | 9.89% | $241.3M |
| Q3 2024 | 14.01% | 14.01% | 14.53% | 10.03% | $242.7M |
| Q4 2024 | 13.38% | 13.38% | 13.89% | 9.98% | $258.2M |
| Q1 2025 | 13.60% | 13.60% | 14.16% | 10.08% | $257.7M |
| Q2 2025 | 13.14% | 13.14% | 13.71% | 9.79% | $270.4M |
| Q3 2025 | 12.95% | 12.95% | 13.54% | 9.38% | $277.5M |
| Q4 2025 | 12.87% | 12.87% | 13.49% | 9.62% | $291.6M |
| Q1 2026 | 13.30% | 13.30% | 13.96% | 9.63% | $287.1M |
| Q2 2026 | 13.38% | 13.38% | 14.06% | 9.79% | $290.6M |
Hardin County Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hardin County Savings 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 Hardin County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5817) · FFIEC NIC profile (RSSD 647245)