HCN Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.70% +2.70 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $117.0M | 116,955 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $999.2M | 999,228 | RCOAA224 |
| Recomputed ratio | 11.70% | numerator / denominator | |
| Filed ratio | 11.70% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.70 pp | $27.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 29,194 | 29,194 | 29,194 | 29,194 | 29,194 | 29,194 | RCOAP742 |
| Retained earnings | 88,486 | 87,376 | 86,256 | 86,476 | 85,427 | 83,963 | RCOAKW00 |
| Accumulated other comprehensive income | (3,416) | (3,026) | (2,030) | (3,046) | (5,121) | (5,225) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 114,264 | 113,544 | 113,420 | 112,624 | 109,500 | 107,932 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,691 | 2,276 | 1,255 | 2,246 | 4,296 | 4,375 | P859 - P840 |
| Common equity Tier 1 capital | 116,955 | 115,820 | 114,675 | 114,870 | 113,796 | 112,307 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 116,955 | 115,820 | 114,675 | 114,870 | 113,796 | 112,307 | RCOA8274 |
| Tier 2 capital | NA | 10,306 | 10,056 | 9,880 | 9,766 | 9,488 | |
| Allowance includable in Tier 2 capital | NA | 10,306 | 10,056 | 9,880 | 9,766 | 9,488 | |
| Total capital | NA | 126,126 | 124,731 | 124,750 | 123,562 | 121,795 | |
| Total risk-weighted assets | NA | 824,450 | 814,481 | 811,152 | 788,538 | 758,910 | |
| Average total assets for the leverage ratio | 999,228 | 995,893 | 994,331 | 979,558 | 994,204 | 982,042 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.70% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.05% | 14.05% | 15.30% | 11.63% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.08% | 14.08% | 15.31% | 11.53% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.16% | 14.16% | 15.38% | 11.73% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.43% | 14.43% | 15.67% | 11.45% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.80% | 14.80% | 16.05% | 11.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.54% | 14.54% | 15.79% | 10.85% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.75% | 14.75% | 15.99% | 10.65% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.97% | 13.97% | 15.22% | 10.86% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.01% | 14.01% | 15.26% | 11.21% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.66% | 13.66% | 14.91% | 11.18% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.96% | 13.96% | 15.21% | 11.61% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| HCN Bank (this bank) | CBLR | NA | NA | NA | 11.70% | |
| Farmers and Merchants Bank | $998.8M | Risk-based | 25.46% | 25.46% | 26.72% | 15.25% |
| Vision Bank | $999.6M | Risk-based | 13.13% | 13.13% | 14.38% | 9.20% |
| The Bank of Old Monroe | $994.6M | CBLR | NA | NA | NA | 10.55% |
| First Federal Community Bank, N.A. | $994.6M | Risk-based | 12.74% | 12.74% | 13.82% | 9.40% |
| Peoples State Bank | $993.0M | Risk-based | 16.02% | 16.02% | 17.27% | 11.54% |
| Ciera Bank | $992.9M | Risk-based | 13.36% | 13.36% | 14.62% | 11.13% |
| First Federal Bank of Kansas City | $992.5M | CBLR | NA | NA | NA | 11.32% |
| Tennessee State Bank | $990.8M | Risk-based | 12.63% | 12.63% | 13.85% | 9.31% |
| Hometown Bank, N.A. | $990.4M | Risk-based | 14.29% | 14.29% | 15.23% | 11.33% |
| The Farmers National Bank of Danville | $989.8M | Risk-based | 13.52% | 13.52% | 14.78% | 10.58% |
| Peer 25th percentile | 13.03% | 13.03% | 14.25% | 9.69% | ||
| Peer median | 13.44% | 13.44% | 14.70% | 10.86% | ||
| Peer 75th percentile | 14.72% | 14.72% | 15.74% | 11.33% | ||
| This bank's percentile | NA | NA | NA | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/183668/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.