HCN 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: 12.9% lower than in Q1 2026, at -$3.4M.
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 | 11.70% |
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 | $117.0M |
| Tier 1 capital | $117.0M |
| Total risk-based capital | — |
| Total equity capital | $114.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.44% |
| Tangible equity to tangible assets | 11.38% |
| Equity capital to average assets | 11.43% |
| Internal capital growth rate | 3.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $28.1M |
| Retained earnings | $88.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 13.96% | 13.96% | 15.21% | 11.61% | $774.1M |
| Q4 2023 | 13.66% | 13.66% | 14.91% | 11.18% | $770.6M |
| Q1 2024 | 14.01% | 14.01% | 15.26% | 11.21% | $764.7M |
| Q2 2024 | 13.97% | 13.97% | 15.22% | 10.86% | $779.8M |
| Q3 2024 | 14.75% | 14.75% | 15.99% | 10.65% | $759.2M |
| Q4 2024 | 14.54% | 14.54% | 15.79% | 10.85% | $758.4M |
| Q1 2025 | 14.80% | 14.80% | 16.05% | 11.44% | $758.9M |
| Q2 2025 | 14.43% | 14.43% | 15.67% | 11.45% | $788.5M |
| Q3 2025 | 14.16% | 14.16% | 15.38% | 11.73% | $811.2M |
| Q4 2025 | 14.08% | 14.08% | 15.31% | 11.53% | $814.5M |
| Q1 2026 | 14.05% | 14.05% | 15.30% | 11.63% | $824.5M |
| Q2 2026 | — | — | — | 11.70% | — |
HCN Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock HCN 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 HCN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21606) · FFIEC NIC profile (RSSD 183668)