HCN Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.38 percentage points higher than in Q1 2026, at 92.96%. Among 114 California banks, HCN Bank sits 9th from the top on return on assets, 2.18% as of Q2 2026. HCN Bank's return on assets of 2.18% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.70% |
| Equity capital to assets | 11.44% |
| Tangible equity to tangible assets | 11.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.18% |
| Return on equity | 19.11% |
| Net interest margin | 3.95% |
| Efficiency ratio | 45.01% |
| Yield on earning assets | 5.17% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.96% |
| Core deposits to total deposits | 95.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.76% |
| Securities to assets | 10.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.96% | 13.96% | 15.21% | 11.61% | 2.35% |
| Q4 2023 | 13.66% | 13.66% | 14.91% | 11.18% | 1.49% |
| Q1 2024 | 14.01% | 14.01% | 15.26% | 11.21% | 2.37% |
| Q2 2024 | 13.97% | 13.97% | 15.22% | 10.86% | 2.20% |
| Q3 2024 | 14.75% | 14.75% | 15.99% | 10.65% | 2.69% |
| Q4 2024 | 14.54% | 14.54% | 15.79% | 10.85% | 1.53% |
| Q1 2025 | 14.80% | 14.80% | 16.05% | 11.44% | 2.48% |
| Q2 2025 | 14.43% | 14.43% | 15.67% | 11.45% | 2.22% |
| Q3 2025 | 14.16% | 14.16% | 15.38% | 11.73% | 2.19% |
| Q4 2025 | 14.08% | 14.08% | 15.31% | 11.53% | 2.27% |
| Q1 2026 | 14.05% | 14.05% | 15.30% | 11.63% | 2.19% |
| Q2 2026 | — | — | — | 11.70% | 2.18% |
HCN Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock HCN Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)