The Harvard 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%.
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.
Compared with Q1 2026, Total equity capital rose 5.5% in Q2 2026 to $27.3M, the biggest move on this page. Within Illinois, The Harvard State Bank is 111th of 198 on CET1 ratio, 14.44% as of Q2 2026. The Harvard State Bank reported 14.44% on CET1 ratio for Q2 2026, 0.64 points below 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 | 14.44% |
| Tier 1 risk-based capital ratio | 14.44% |
| Total risk-based capital ratio | 15.45% |
| Tier 1 leverage ratio | 8.79% |
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 | $30.5M |
| Tier 1 capital | $30.5M |
| Total risk-based capital | $32.6M |
| Total equity capital | $27.3M |
| Risk-weighted assets | $210.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.24% |
| Tangible equity to tangible assets | 7.65% |
| Equity capital to average assets | 7.84% |
| Internal capital growth rate | 8.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $8.3M |
| Retained earnings | $23.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 14.89% | 14.89% | 15.94% | 8.67% | $185.3M |
| Q4 2023 | 14.50% | 14.50% | 15.48% | 8.61% | $191.6M |
| Q1 2024 | 15.03% | 15.03% | 16.05% | 8.84% | $184.5M |
| Q2 2024 | 14.62% | 14.62% | 15.63% | 8.61% | $191.0M |
| Q3 2024 | 14.48% | 14.48% | 15.49% | 8.54% | $192.2M |
| Q4 2024 | 14.55% | 14.55% | 15.54% | 8.77% | $194.0M |
| Q1 2025 | 14.44% | 14.44% | 15.42% | 8.85% | $195.8M |
| Q2 2025 | 14.37% | 14.37% | 15.34% | 8.70% | $200.0M |
| Q3 2025 | 14.25% | 14.25% | 15.22% | 8.77% | $203.0M |
| Q4 2025 | 14.53% | 14.53% | 15.53% | 8.86% | $203.1M |
| Q1 2026 | 14.48% | 14.48% | 15.48% | 9.08% | $206.8M |
| Q2 2026 | 14.44% | 14.44% | 15.45% | 8.79% | $210.9M |
The Harvard State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harvard 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 The Harvard State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9079) · FFIEC NIC profile (RSSD 800134)