Hendricks County Bank and Trust Company: 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 6.4% in Q2 2026 to -$3.4M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.96% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $24.1M |
| Tier 1 capital | $24.1M |
| Total risk-based capital | — |
| Total equity capital | $20.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.35% |
| Tangible equity to tangible assets | 8.35% |
| Equity capital to average assets | 8.56% |
| Internal capital growth rate | 8.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $280K |
| Common stock surplus | $3.8M |
| Retained earnings | $20.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.84% | 5.89% | 5.89% |
| Q4 2023 | 9.84% | 6.73% | 6.73% |
| Q1 2024 | 9.68% | 6.48% | 6.48% |
| Q2 2024 | 9.49% | 6.81% | 6.81% |
| Q3 2024 | 9.76% | 7.87% | 7.87% |
| Q4 2024 | 9.73% | 7.37% | 7.37% |
| Q1 2025 | 9.80% | 7.67% | 7.67% |
| Q2 2025 | 9.84% | 7.90% | 7.90% |
| Q3 2025 | 9.73% | 8.15% | 8.15% |
| Q4 2025 | 9.80% | 8.35% | 8.35% |
| Q1 2026 | 10.09% | 8.51% | 8.51% |
| Q2 2026 | 9.96% | 8.35% | 8.35% |
Hendricks County Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hendricks County Bank and Trust Company, 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 Hendricks County Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13111) · FFIEC NIC profile (RSSD 633640)