Harpeth Bank & Trust: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital climbed 38.2% in Q2 2026, from $18.2M to $25.1M. It was the largest change from Q1 2026 among the key lines here. Harpeth Bank & Trust ranks 11th of 71 Tennessee banks on CET1 ratio, in the upper half at 19.91% (Q2 2026). Harpeth Bank & Trust reported 19.91% on CET1 ratio for Q2 2026, 4.83 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.91% |
| Tier 1 risk-based capital ratio | 19.91% |
| Total risk-based capital ratio | 21.17% |
| Tier 1 leverage ratio | 15.18% |
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 | $29.3M |
| Tier 1 capital | $29.3M |
| Total risk-based capital | $31.2M |
| Total equity capital | $25.1M |
| Risk-weighted assets | $147.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.71% |
| Tangible equity to tangible assets | 12.71% |
| Equity capital to average assets | 13.00% |
| Internal capital growth rate | -52.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $55.6M |
| Retained earnings | -$26.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 15.70% | 15.70% | 16.54% | 10.57% | $159.0M |
| Q4 2023 | 15.08% | 15.08% | 15.95% | 9.70% | $157.5M |
| Q1 2024 | 16.66% | 16.66% | 17.53% | 7.37% | $137.4M |
| Q2 2024 | 16.48% | 16.48% | 17.29% | 7.77% | $134.8M |
| Q3 2024 | 16.97% | 16.97% | 17.70% | 8.37% | $123.9M |
| Q4 2024 | 15.02% | 15.02% | 15.92% | 8.38% | $123.7M |
| Q1 2025 | 12.16% | 12.16% | 13.14% | 7.23% | $123.9M |
| Q2 2025 | 10.44% | 10.44% | 11.46% | 6.79% | $130.4M |
| Q3 2025 | 9.59% | 9.59% | 10.61% | 6.63% | $129.2M |
| Q4 2025 | 8.88% | 8.88% | 9.95% | 6.39% | $127.9M |
| Q1 2026 | 17.31% | 17.31% | 18.50% | 12.88% | $129.5M |
| Q2 2026 | 19.91% | 19.91% | 21.17% | 15.18% | $147.4M |
Harpeth Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Harpeth Bank & Trust, 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 Harpeth Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6100) · FFIEC NIC profile (RSSD 321152)