Hearthside Bank Corporation: 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%.
Accumulated other comprehensive income climbed 8.9% in Q2 2026, from -$6.3M to -$5.7M. It was the largest change from Q1 2026 among the key lines here. Hearthside Bank Corporation ranks 41st of 69 Kentucky banks on CET1 ratio, in the lower half at 14.27% (Q2 2026). Hearthside Bank Corporation reported 14.27% on CET1 ratio for Q2 2026, 0.80 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.27% |
| Tier 1 risk-based capital ratio | 14.27% |
| Total risk-based capital ratio | 15.52% |
| Tier 1 leverage ratio | 10.07% |
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 | $60.7M |
| Tier 1 capital | $60.7M |
| Total risk-based capital | $66.1M |
| Total equity capital | $55.0M |
| Risk-weighted assets | $425.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.03% |
| Tangible equity to tangible assets | 9.03% |
| Equity capital to average assets | 9.12% |
| Internal capital growth rate | 10.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.2M |
| Common stock surplus | $269K |
| Retained earnings | $57.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 14.19% | 14.19% | 15.43% | 10.73% | $381.8M |
| Q4 2023 | 14.17% | 14.17% | 15.42% | 10.61% | $384.8M |
| Q1 2024 | 13.92% | 13.92% | 15.18% | 10.40% | $390.8M |
| Q2 2024 | 13.60% | 13.60% | 14.84% | 10.17% | $404.3M |
| Q3 2024 | 13.43% | 13.43% | 14.68% | 10.02% | $410.6M |
| Q4 2024 | 13.42% | 13.42% | 14.61% | 9.91% | $417.6M |
| Q1 2025 | 13.44% | 13.44% | 14.69% | 9.79% | $417.7M |
| Q2 2025 | 14.02% | 14.02% | 15.27% | 9.97% | $407.4M |
| Q3 2025 | 13.89% | 13.89% | 15.15% | 9.88% | $413.7M |
| Q4 2025 | 14.25% | 14.25% | 15.50% | 9.93% | $413.4M |
| Q1 2026 | 13.95% | 13.95% | 15.20% | 10.05% | $426.2M |
| Q2 2026 | 14.27% | 14.27% | 15.52% | 10.07% | $425.6M |
Hearthside Bank Corporation regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hearthside Bank Corporation, 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 Hearthside Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31236) · FFIEC NIC profile (RSSD 902672)