Highland Federal Savings & Loan Association: 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 average assets fell 0.42 percentage points in Q2 2026 to 22.20%, 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 | 22.20% |
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 | $17.6M |
| Tier 1 capital | $17.6M |
| Total risk-based capital | — |
| Total equity capital | $17.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.34% |
| Tangible equity to tangible assets | 22.34% |
| Equity capital to average assets | 22.20% |
| Internal capital growth rate | 2.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $17.6M |
| 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 |
|---|---|---|---|
| Q3 2023 | 21.00% | 20.65% | 20.65% |
| Q4 2023 | 21.27% | 21.25% | 21.25% |
| Q1 2024 | 21.42% | 21.26% | 21.26% |
| Q2 2024 | 21.19% | 21.25% | 21.25% |
| Q3 2024 | 21.60% | 21.74% | 21.74% |
| Q4 2024 | 21.78% | 21.62% | 21.62% |
| Q1 2025 | 21.83% | 21.62% | 21.62% |
| Q2 2025 | 21.68% | 21.80% | 21.80% |
| Q3 2025 | 22.16% | 22.59% | 22.59% |
| Q4 2025 | 22.59% | 22.83% | 22.83% |
| Q1 2026 | 22.63% | 22.22% | 22.22% |
| Q2 2026 | 22.20% | 22.34% | 22.34% |
Highland Federal Savings & Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Highland Federal Savings & Loan Association, 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 Highland Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31232) · FFIEC NIC profile (RSSD 652070)