Hills Bank and Trust Company: 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 4.9% from Q1 2026 to Q2 2026, ending at $567.2M against $540.6M. It was the largest change among the key lines 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 | 13.36% |
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 | $630.1M |
| Tier 1 capital | $630.1M |
| Total risk-based capital | — |
| Total equity capital | $624.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.03% |
| Tangible equity to tangible assets | 12.98% |
| Equity capital to average assets | 13.24% |
| Internal capital growth rate | 17.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.7M |
| Common stock surplus | $65.1M |
| Retained earnings | $567.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 12.94% | 11.61% | 11.55% |
| Q4 2023 | 12.82% | 11.91% | 11.86% |
| Q1 2024 | 12.43% | 11.67% | 11.62% |
| Q2 2024 | 12.75% | 12.04% | 11.99% |
| Q3 2024 | 12.76% | 12.22% | 12.17% |
| Q4 2024 | 12.71% | 11.81% | 11.76% |
| Q1 2025 | 12.60% | 11.92% | 11.87% |
| Q2 2025 | 12.85% | 12.19% | 12.14% |
| Q3 2025 | 12.82% | 12.56% | 12.51% |
| Q4 2025 | 12.94% | 12.97% | 12.92% |
| Q1 2026 | 13.02% | 12.79% | 12.75% |
| Q2 2026 | 13.36% | 13.03% | 12.98% |
Hills Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hills Bank and Trust Company, 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 Hills Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14650) · FFIEC NIC profile (RSSD 731247)