Hinsdale Bank & 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%.
Accumulated other comprehensive income dropped 9.6% in Q2 2026, from -$30.9M to -$33.9M. It was the largest change from Q1 2026 among the key lines here. Hinsdale Bank & Trust Company, N.A. has the 14th lowest CET1 ratio of the 198 banks headquartered in Illinois, at 10.60% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Hinsdale Bank & Trust Company, N.A. sits 2.88 points lower, at 10.60% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.60% |
| Tier 1 risk-based capital ratio | 10.60% |
| Total risk-based capital ratio | 11.34% |
| Tier 1 leverage ratio | 9.20% |
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 | $605.4M |
| Tier 1 capital | $605.4M |
| Total risk-based capital | $647.6M |
| Total equity capital | $683.7M |
| Risk-weighted assets | $5.71B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.05% |
| Tangible equity to tangible assets | 8.36% |
| Equity capital to average assets | 10.22% |
| Internal capital growth rate | 15.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $318.9M |
| Retained earnings | $396.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33.9M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.15% | 11.15% | 11.89% | 9.55% | $4.00B |
| Q4 2023 | 10.97% | 10.97% | 11.75% | 9.36% | $4.07B |
| Q1 2024 | 10.80% | 10.80% | 11.58% | 9.43% | $4.24B |
| Q2 2024 | 10.70% | 10.70% | 11.42% | 9.37% | $4.45B |
| Q3 2024 | 10.88% | 10.88% | 11.55% | 9.43% | $4.55B |
| Q4 2024 | 11.19% | 11.19% | 11.87% | 9.61% | $4.58B |
| Q1 2025 | 10.63% | 10.63% | 11.30% | 9.30% | $4.78B |
| Q2 2025 | 10.76% | 10.76% | 11.45% | 9.47% | $4.91B |
| Q3 2025 | 11.12% | 11.12% | 11.76% | 9.68% | $4.98B |
| Q4 2025 | 11.03% | 11.03% | 11.70% | 9.88% | $5.23B |
| Q1 2026 | 10.70% | 10.70% | 11.46% | 9.45% | $5.42B |
| Q2 2026 | 10.60% | 10.60% | 11.34% | 9.20% | $5.71B |
Hinsdale Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hinsdale Bank & 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 Hinsdale Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33849) · FFIEC NIC profile (RSSD 2119773)