Hertford Savings Bank, SSB: 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%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.19 percentage points between Q2 2026 and Q3 2026, to 10.44%.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.47% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $2.2M |
| Tier 1 capital | $2.2M |
| Total risk-based capital | — |
| Total equity capital | $2.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.44% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 10.47% |
| Internal capital growth rate | -1.09% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $2.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 |
|---|---|---|---|
| Q4 2023 | 14.16% | 14.10% | 14.10% |
| Q1 2024 | 12.92% | 12.79% | 13.30% |
| Q2 2024 | 12.27% | 12.75% | 13.27% |
| Q3 2024 | 11.97% | 12.39% | 12.94% |
| Q4 2024 | 12.31% | 12.80% | 13.39% |
| Q1 2025 | 12.12% | 12.60% | 12.60% |
| Q2 2025 | 12.28% | 12.06% | 12.06% |
| Q3 2025 | 11.78% | 11.64% | 11.64% |
| Q4 2025 | 11.22% | 11.37% | 11.37% |
| Q1 2026 | 10.78% | 10.76% | 10.76% |
| Q2 2026 | 10.64% | 10.63% | 10.63% |
| Q3 2026 | 10.47% | 10.44% | 10.44% |
Hertford Savings Bank, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hertford Savings Bank, SSB, 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 Hertford Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31345) · FFIEC NIC profile (RSSD 971379)