The Havana National 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 7.6% higher than in Q1 2026, at -$2.9M.
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 | 12.17% |
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 | $40.4M |
| Tier 1 capital | $40.4M |
| Total risk-based capital | — |
| Total equity capital | $37.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.33% |
| Tangible equity to tangible assets | 11.30% |
| Equity capital to average assets | 11.35% |
| Internal capital growth rate | 10.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.6M |
| Common stock surplus | $4.8M |
| Retained earnings | $31.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.48% | 9.01% | 8.94% |
| Q4 2023 | 11.76% | 10.07% | 10.01% |
| Q1 2024 | 11.86% | 9.99% | 9.93% |
| Q2 2024 | 12.02% | 9.88% | 9.82% |
| Q3 2024 | 12.19% | 11.08% | 11.02% |
| Q4 2024 | 12.52% | 11.00% | 10.94% |
| Q1 2025 | 12.45% | 10.81% | 10.75% |
| Q2 2025 | 11.94% | 10.42% | 10.37% |
| Q3 2025 | 11.81% | 10.95% | 10.90% |
| Q4 2025 | 11.85% | 11.28% | 11.24% |
| Q1 2026 | 11.87% | 10.71% | 10.67% |
| Q2 2026 | 12.17% | 11.33% | 11.30% |
The Havana National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Havana National 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 Havana National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3677) · FFIEC NIC profile (RSSD 940731)