Hartsburg State 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 Equity capital to total assets, which fell 0.41 percentage points to 8.45%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.51% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.1M |
| Tier 1 capital | $2.1M |
| Total risk-based capital | — |
| Total equity capital | $1.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.45% |
| Tangible equity to tangible assets | 8.45% |
| Equity capital to average assets | 8.45% |
| Internal capital growth rate | 0.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $440K |
| Retained earnings | $1.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$554K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.79% | 5.38% | 5.38% |
| Q4 2023 | 11.27% | 5.81% | 5.81% |
| Q1 2024 | 12.84% | 6.94% | 6.94% |
| Q2 2024 | 12.60% | 7.08% | 7.08% |
| Q3 2024 | 11.56% | 7.72% | 7.72% |
| Q4 2024 | 12.92% | 6.49% | 6.49% |
| Q1 2025 | 11.77% | 8.34% | 8.34% |
| Q2 2025 | 12.56% | 8.55% | 8.55% |
| Q3 2025 | 12.06% | 9.01% | 9.01% |
| Q4 2025 | 12.80% | 7.59% | 7.59% |
| Q1 2026 | 11.35% | 8.86% | 8.86% |
| Q2 2026 | 11.51% | 8.45% | 8.45% |
Hartsburg State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hartsburg State 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 Hartsburg State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11716) · FFIEC NIC profile (RSSD 799939)