Hickory Point Bank and Trust: 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, Equity capital to total assets rose 0.42 percentage points in Q2 2026 to 11.04%, the biggest move on this page. Within Illinois, Hickory Point Bank and Trust is 81st of 198 on CET1 ratio, 16.15% as of Q2 2026, above the middle of the field. Hickory Point Bank and Trust reported 16.15% on CET1 ratio for Q2 2026, 1.08 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.15% |
| Tier 1 risk-based capital ratio | 16.15% |
| Total risk-based capital ratio | 17.25% |
| Tier 1 leverage ratio | 11.04% |
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 | $80.0M |
| Tier 1 capital | $80.0M |
| Total risk-based capital | $85.4M |
| Total equity capital | $79.2M |
| Risk-weighted assets | $495.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.04% |
| Tangible equity to tangible assets | 11.04% |
| Equity capital to average assets | 10.93% |
| Internal capital growth rate | 6.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $49.1M |
| Common stock surplus | $1.2M |
| Retained earnings | $29.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$792K |
| 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 | 13.08% | 13.08% | 14.11% | 9.43% | $527.2M |
| Q4 2023 | 12.79% | 12.79% | 13.79% | 8.96% | $545.5M |
| Q1 2024 | 12.48% | 12.48% | 13.45% | 9.05% | $564.3M |
| Q2 2024 | 13.12% | 13.12% | 14.17% | 9.17% | $543.3M |
| Q3 2024 | 13.70% | 13.70% | 14.78% | 9.18% | $528.3M |
| Q4 2024 | 13.87% | 13.87% | 14.90% | 9.52% | $527.9M |
| Q1 2025 | 14.28% | 14.28% | 15.32% | 9.82% | $520.7M |
| Q2 2025 | 14.65% | 14.65% | 15.71% | 10.13% | $513.7M |
| Q3 2025 | 15.09% | 15.09% | 16.17% | 10.51% | $505.3M |
| Q4 2025 | 16.18% | 16.18% | 17.32% | 10.79% | $480.7M |
| Q1 2026 | 16.23% | 16.23% | 17.35% | 10.72% | $485.3M |
| Q2 2026 | 16.15% | 16.15% | 17.25% | 11.04% | $495.3M |
Hickory Point Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hickory Point Bank and Trust, 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 Hickory Point Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22874) · FFIEC NIC profile (RSSD 550635)