Hatch 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.
The standout move of Q2 2026 was in Equity capital to average assets: 1.18 percentage points lower than in Q1 2026, at 19.93%. Hatch Bank ranks 8th of 74 California banks on CET1 ratio, in the upper half at 31.63% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, Hatch Bank reported 31.63% on CET1 ratio in Q2 2026, 16.55 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.63% |
| Tier 1 risk-based capital ratio | 31.63% |
| Total risk-based capital ratio | 31.73% |
| Tier 1 leverage ratio | 21.49% |
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 | $40.1M |
| Tier 1 capital | $40.1M |
| Total risk-based capital | $40.3M |
| Total equity capital | $37.2M |
| Risk-weighted assets | $126.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.98% |
| Tangible equity to tangible assets | 20.98% |
| Equity capital to average assets | 19.93% |
| Internal capital growth rate | -19.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $850K |
| Common stock surplus | $1.4M |
| Retained earnings | $37.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 32.09% | 32.09% | 32.88% | 17.65% | $103.0M |
| Q4 2023 | 29.11% | 29.11% | 29.92% | 21.21% | $113.7M |
| Q1 2024 | 30.95% | 30.95% | 31.87% | 19.96% | $107.9M |
| Q2 2024 | 36.80% | 36.80% | 38.07% | 20.84% | $92.4M |
| Q3 2024 | 38.59% | 38.59% | 39.86% | 27.13% | $89.4M |
| Q4 2024 | 40.41% | 40.41% | 41.69% | 26.58% | $85.8M |
| Q1 2025 | 35.46% | 35.46% | 36.73% | 26.39% | $99.8M |
| Q2 2025 | 32.87% | 32.87% | 34.13% | 24.54% | $111.6M |
| Q3 2025 | 33.28% | 33.28% | 34.55% | 26.37% | $115.9M |
| Q4 2025 | 29.22% | 29.22% | 30.48% | 26.36% | $136.4M |
| Q1 2026 | 30.76% | 30.76% | 32.02% | 22.73% | $136.8M |
| Q2 2026 | 31.63% | 31.63% | 31.73% | 21.49% | $126.9M |
Hatch Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hatch 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 Hatch Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25803) · FFIEC NIC profile (RSSD 733661)