Henderson Federal Savings 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 25.94% +16.94 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 | $30.7M | 30,703 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $118.4M | 118,372 | RCOAA224 |
| Recomputed ratio | 25.94% | numerator / denominator | |
| Filed ratio | 25.94% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +16.94 pp | $20.0M | 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 | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 30,703 | 30,363 | 30,081 | 29,765 | 29,465 | 29,148 | RCOAKW00 |
| Accumulated other comprehensive income | (275) | (246) | (192) | (229) | (326) | (364) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 30,428 | 30,117 | 29,889 | 29,536 | 29,139 | 28,784 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 275 | 246 | 192 | 229 | 326 | 364 | P859 - P840 |
| Common equity Tier 1 capital | 30,703 | 30,363 | 30,081 | 29,765 | 29,465 | 29,148 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 30,703 | 30,363 | 30,081 | 29,765 | 29,465 | 29,148 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 118,372 | 117,704 | 116,428 | 115,039 | 115,060 | 112,802 | 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 | 25.94% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 25.80% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 25.84% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 25.87% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 25.61% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 25.84% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 25.81% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 25.80% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 25.88% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 25.65% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 24.90% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 24.25% | 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 |
|---|---|---|---|---|---|---|
| Henderson Federal Savings Bank (this bank) | CBLR | NA | NA | NA | 25.94% | |
| Union State Bank | $117.6M | CBLR | NA | NA | NA | 12.15% |
| Collinsville Building and Loan Association | $117.6M | CBLR | NA | NA | NA | 29.50% |
| First Bank | $118.0M | Risk-based | 23.44% | 23.44% | 24.70% | 14.16% |
| First State Bank of Bigfork | $117.4M | Risk-based | 19.22% | 19.22% | 20.47% | 11.33% |
| Metz Banking Company | $117.3M | CBLR | NA | NA | NA | 11.60% |
| State Bank of Bottineau | $117.2M | Risk-based | 10.51% | 10.51% | 11.77% | 8.46% |
| Mid-Central National Bank | $117.1M | Risk-based | 24.82% | 24.82% | 25.94% | 14.91% |
| Twin Cedars Bank | $118.3M | Risk-based | 12.94% | 12.94% | 14.21% | 9.19% |
| The Granville National Bank | $118.4M | CBLR | NA | NA | NA | 11.10% |
| Peer 25th percentile | 12.94% | 12.94% | 14.21% | 11.10% | ||
| Peer median | 19.22% | 19.22% | 20.47% | 11.60% | ||
| Peer 75th percentile | 23.44% | 23.44% | 24.70% | 14.16% | ||
| This bank's percentile | NA | NA | NA | 89 |
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/849076/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.