Hershey 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Equity capital to average assets: 1.95 percentage points higher than in Q1 2026, at 13.81%.
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 | 13.24% |
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 | $17.9M |
| Tier 1 capital | $17.9M |
| Total risk-based capital | — |
| Total equity capital | $18.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.32% |
| Tangible equity to tangible assets | 12.75% |
| Equity capital to average assets | 13.81% |
| Internal capital growth rate | 10.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $13.3M |
| Retained earnings | $5.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3K |
| 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 | 17.76% | 17.76% | 19.02% | 13.50% | $77.5M |
| Q4 2023 | 16.67% | 16.67% | 17.92% | 12.76% | $79.4M |
| Q1 2024 | 18.05% | 18.05% | 19.31% | 14.15% | $75.3M |
| Q2 2024 | — | — | — | 14.66% | — |
| Q3 2024 | — | — | — | 13.37% | — |
| Q4 2024 | — | — | — | 12.36% | — |
| Q1 2025 | — | — | — | 12.44% | — |
| Q2 2025 | — | — | — | 12.94% | — |
| Q3 2025 | — | — | — | 12.33% | — |
| Q4 2025 | — | — | — | 11.62% | — |
| Q1 2026 | — | — | — | 11.28% | — |
| Q2 2026 | — | — | — | 13.24% | — |
Hershey Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hershey 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 Hershey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19809) · FFIEC NIC profile (RSSD 96553)