HNB First Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.53% +0.53 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $26.9M | 26,909 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $282.4M | 282,399 | RCOAA224 |
| Recomputed ratio | 9.53% | numerator / denominator | |
| Filed ratio | 9.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.53 pp | $1.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,150 | 3,150 | 3,150 | 3,150 | 3,150 | 3,150 | RCOAP742 |
| Retained earnings | 23,759 | 23,017 | 23,148 | 22,537 | 21,775 | 20,954 | RCOAKW00 |
| Accumulated other comprehensive income | (1,162) | (1,158) | (980) | (1,068) | (1,353) | (1,465) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 25,747 | 25,009 | 25,318 | 24,619 | 23,572 | 22,639 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,162 | 1,158 | 980 | 1,068 | 1,353 | 1,465 | P859 - P840 |
| Common equity Tier 1 capital | 26,909 | 26,167 | 26,298 | 25,687 | 24,925 | 24,104 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 26,909 | 26,167 | 26,298 | 25,687 | 24,925 | 24,104 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 282,399 | 283,573 | 285,694 | 263,808 | 256,268 | 244,925 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.53% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.23% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.21% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.74% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.73% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.84% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.87% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.29% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.84% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.55% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.70% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.50% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| HNB First Bank (this bank) | CBLR | NA | NA | NA | 9.53% | |
| FNB Picayune Bank | $282.3M | CBLR | NA | NA | NA | 15.44% |
| First Federal Savings Bank of Kentucky | $282.6M | CBLR | NA | NA | NA | 10.48% |
| Farmers Bank | $282.7M | Risk-based | 19.28% | 19.28% | 20.53% | 11.00% |
| Pioneer Bank | $282.8M | CBLR | NA | NA | NA | 10.56% |
| First Federal Bank of Ohio | $282.9M | Risk-based | 32.76% | 32.76% | 33.24% | 13.68% |
| Commercial Bank | $282.9M | Risk-based | 10.86% | 10.86% | 11.95% | 7.93% |
| Unity Bank of Mississippi | $281.8M | CBLR | NA | NA | NA | 11.04% |
| The Pennsville National Bank | $281.8M | CBLR | NA | NA | NA | 10.23% |
| The Jacksboro National Bank | $283.2M | Risk-based | 20.02% | 20.02% | 21.27% | 11.42% |
| Sonata Bank | $281.5M | Risk-based | 11.58% | 11.58% | 12.57% | 10.12% |
| Peer 25th percentile | 11.58% | 11.58% | 12.57% | 10.29% | ||
| Peer median | 19.28% | 19.28% | 20.53% | 10.78% | ||
| Peer 75th percentile | 20.02% | 20.02% | 21.27% | 11.32% | ||
| This bank's percentile | NA | NA | NA | 10 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/117038/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.