Harleysville 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 biggest quarter-over-quarter change on this page was a small one: Common stock surplus edged down 1.9% between Q1 2026 and Q2 2026, to $7.4M. Harleysville Bank ranks 30th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 15.18% (Q2 2026). At 15.18%, Harleysville Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.18% |
| Tier 1 risk-based capital ratio | 15.18% |
| Total risk-based capital ratio | 15.98% |
| Tier 1 leverage ratio | 9.93% |
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 | $95.6M |
| Tier 1 capital | $95.6M |
| Total risk-based capital | $100.6M |
| Total equity capital | $95.6M |
| Risk-weighted assets | $629.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.92% |
| Tangible equity to tangible assets | 9.92% |
| Equity capital to average assets | 9.93% |
| Internal capital growth rate | 4.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $23K |
| Common stock surplus | $7.4M |
| Retained earnings | $88.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $4K |
| 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 | 16.45% | 16.45% | 17.40% | 10.42% | $529.3M |
| Q4 2023 | 14.33% | 14.33% | 15.13% | 9.92% | $586.8M |
| Q1 2024 | 14.69% | 14.69% | 15.50% | 10.00% | $578.2M |
| Q2 2024 | 14.31% | 14.31% | 15.10% | 10.04% | $599.8M |
| Q3 2024 | 14.25% | 14.25% | 15.03% | 10.05% | $609.0M |
| Q4 2024 | 14.38% | 14.38% | 15.19% | 10.20% | $609.4M |
| Q1 2025 | 14.32% | 14.32% | 15.11% | 10.25% | $615.3M |
| Q2 2025 | 14.22% | 14.22% | 15.02% | 10.42% | $626.9M |
| Q3 2025 | 13.82% | 13.82% | 14.57% | 9.85% | $655.7M |
| Q4 2025 | 14.59% | 14.59% | 15.37% | 9.84% | $631.4M |
| Q1 2026 | 15.01% | 15.01% | 15.81% | 10.00% | $629.9M |
| Q2 2026 | 15.18% | 15.18% | 15.98% | 9.93% | $629.7M |
Harleysville Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Harleysville 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 Harleysville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31461) · FFIEC NIC profile (RSSD 139478)