Hebron Savings 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%.
In Q2 2026, Risk-weighted assets edged up by 2.4%, from $684.4M to $700.7M, the largest move among the key lines here. Hebron Savings Bank ranks 7th of 20 Maryland banks on CET1 ratio, in the upper half at 16.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Hebron Savings Bank sits 0.98 points higher, at 16.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.05% |
| Tier 1 risk-based capital ratio | 16.05% |
| Total risk-based capital ratio | 17.30% |
| Tier 1 leverage ratio | 13.35% |
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 | $112.5M |
| Tier 1 capital | $112.5M |
| Total risk-based capital | $121.2M |
| Total equity capital | $107.2M |
| Risk-weighted assets | $700.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.78% |
| Tangible equity to tangible assets | 12.78% |
| Equity capital to average assets | 12.73% |
| Internal capital growth rate | 7.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.2M |
| Common stock surplus | $6.4M |
| Retained earnings | $101.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | 14.39% | 14.39% | 15.64% | 11.06% | $589.9M |
| Q4 2023 | 14.37% | 14.37% | 15.62% | 11.58% | $602.8M |
| Q1 2024 | 14.99% | 14.99% | 16.25% | 12.27% | $598.1M |
| Q2 2024 | 14.64% | 14.64% | 15.89% | 12.38% | $628.3M |
| Q3 2024 | 15.61% | 15.61% | 16.86% | 12.43% | $608.9M |
| Q4 2024 | 15.94% | 15.94% | 17.20% | 12.54% | $606.6M |
| Q1 2025 | 16.78% | 16.78% | 18.03% | 13.00% | $594.3M |
| Q2 2025 | 16.99% | 16.99% | 18.24% | 13.17% | $600.6M |
| Q3 2025 | 16.38% | 16.38% | 17.63% | 13.23% | $641.9M |
| Q4 2025 | 15.62% | 15.62% | 16.87% | 13.13% | $685.6M |
| Q1 2026 | 16.11% | 16.11% | 17.36% | 13.44% | $684.4M |
| Q2 2026 | 16.05% | 16.05% | 17.30% | 13.35% | $700.7M |
Hebron Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hebron Savings 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 Hebron Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8811) · FFIEC NIC profile (RSSD 780722)