HNB National 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%.
The standout move of Q2 2026 was in Common stock surplus: 120.5% higher than in Q1 2026, at $86.6M.
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 | 9.72% |
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 | $125.6M |
| Tier 1 capital | $125.6M |
| Total risk-based capital | — |
| Total equity capital | $143.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 9.07% |
| Equity capital to average assets | 10.91% |
| Internal capital growth rate | 10.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $86.6M |
| Retained earnings | $65.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.9M |
| 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 | 12.66% | 8.85% | 7.77% |
| Q4 2023 | 10.84% | 9.81% | 8.83% |
| Q1 2024 | 11.14% | 10.18% | 9.22% |
| Q2 2024 | 11.25% | 10.04% | 9.13% |
| Q3 2024 | 11.50% | 10.96% | 10.11% |
| Q4 2024 | 11.79% | 11.00% | 10.19% |
| Q1 2025 | 11.65% | 10.87% | 10.11% |
| Q2 2025 | 11.62% | 11.26% | 10.53% |
| Q3 2025 | 11.97% | 11.90% | 11.19% |
| Q4 2025 | 12.11% | 12.02% | 11.35% |
| Q1 2026 | 12.60% | 12.22% | 11.59% |
| Q2 2026 | 9.72% | 10.94% | 9.07% |
HNB National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock HNB National 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 HNB National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4540) · FFIEC NIC profile (RSSD 908553)