The Hightower Trust Company, N.A.: 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%.
Equity capital to average assets dropped 3.42 percentage points in Q2 2026, from 86.95% to 83.53%. It was the largest change from Q1 2026 among the key lines here.
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 | 83.34% |
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 | $14.6M |
| Tier 1 capital | $14.6M |
| Total risk-based capital | — |
| Total equity capital | $14.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 87.65% |
| Tangible equity to tangible assets | 87.65% |
| Equity capital to average assets | 83.53% |
| Internal capital growth rate | -7.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $15.5M |
| Retained earnings | -$571K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$91K |
| 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 | 84.64% | 84.13% | 84.13% |
| Q4 2023 | 82.27% | 86.06% | 86.06% |
| Q1 2024 | 79.05% | 76.96% | 76.96% |
| Q2 2024 | 79.95% | 85.60% | 85.60% |
| Q3 2024 | 84.85% | 84.41% | 84.41% |
| Q4 2024 | 89.02% | 85.24% | 85.24% |
| Q1 2025 | 86.45% | 81.98% | 81.98% |
| Q2 2025 | 90.10% | 86.06% | 86.06% |
| Q3 2025 | 82.74% | 87.31% | 87.31% |
| Q4 2025 | 92.15% | 87.05% | 87.05% |
| Q1 2026 | 86.86% | 87.25% | 87.25% |
| Q2 2026 | 83.34% | 87.65% | 87.65% |
The Hightower Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hightower Trust Company, N.A., 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 The Hightower Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2597232)