Highpoint Community 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%.
Retained earnings rose 5.6% from Q1 2026 to Q2 2026, ending at $25.2M against $23.9M. It was the largest change among the key lines on this page. Highpoint Community Bank ranks 20th of 43 Michigan banks on CET1 ratio, in the upper half at 14.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio; Highpoint Community Bank reported 14.68% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.68% |
| Tier 1 risk-based capital ratio | 14.68% |
| Total risk-based capital ratio | 15.93% |
| Tier 1 leverage ratio | 8.45% |
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 | $50.5M |
| Tier 1 capital | $50.5M |
| Total risk-based capital | $54.8M |
| Total equity capital | $48.9M |
| Risk-weighted assets | $344.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.26% |
| Tangible equity to tangible assets | 8.26% |
| Equity capital to average assets | 8.18% |
| Internal capital growth rate | 11.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $24.0M |
| Retained earnings | $25.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 13.59% | 13.59% | 14.56% | 7.11% | $292.6M |
| Q4 2023 | 14.20% | 14.20% | 15.13% | 7.15% | $287.1M |
| Q1 2024 | 14.40% | 14.40% | 15.37% | 7.27% | $287.7M |
| Q2 2024 | 14.74% | 14.74% | 15.76% | 7.42% | $286.1M |
| Q3 2024 | 14.96% | 14.96% | 15.98% | 7.57% | $287.6M |
| Q4 2024 | 15.17% | 15.17% | 16.21% | 6.85% | $292.0M |
| Q1 2025 | 14.88% | 14.88% | 16.01% | 7.20% | $303.6M |
| Q2 2025 | 14.91% | 14.91% | 16.09% | 7.49% | $313.0M |
| Q3 2025 | 14.94% | 14.94% | 16.14% | 7.64% | $320.3M |
| Q4 2025 | 15.19% | 15.19% | 16.42% | 8.19% | $319.9M |
| Q1 2026 | 14.59% | 14.59% | 15.83% | 8.25% | $337.4M |
| Q2 2026 | 14.68% | 14.68% | 15.93% | 8.45% | $344.3M |
Highpoint Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Highpoint Community 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 Highpoint Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11407) · FFIEC NIC profile (RSSD 750341)