Home 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%.
Compared with Q1 2026, Total risk-based capital rose 4.3% in Q2 2026 to $17.1M, the biggest move on this page. Home Bank and Trust Company has the 8th lowest CET1 ratio of the 85 banks headquartered in Kansas, at 11.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Home Bank and Trust Company sits 3.96 points lower, at 11.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.11% |
| Tier 1 risk-based capital ratio | 11.11% |
| Total risk-based capital ratio | 12.36% |
| Tier 1 leverage ratio | 8.28% |
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 | $15.4M |
| Tier 1 capital | $15.4M |
| Total risk-based capital | $17.1M |
| Total equity capital | $15.4M |
| Risk-weighted assets | $138.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.39% |
| Tangible equity to tangible assets | 8.39% |
| Equity capital to average assets | 8.27% |
| Internal capital growth rate | 13.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $2.8M |
| Retained earnings | $12.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13K |
| 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 | 9.90% | 9.90% | 11.15% | 7.76% | $118.0M |
| Q4 2023 | 9.97% | 9.97% | 11.22% | 7.70% | $119.2M |
| Q1 2024 | 9.81% | 9.81% | 11.05% | 7.81% | $124.3M |
| Q2 2024 | 9.86% | 9.86% | 11.08% | 7.75% | $127.5M |
| Q3 2024 | 10.43% | 10.43% | 11.68% | 7.75% | $124.5M |
| Q4 2024 | 10.47% | 10.47% | 11.72% | 7.86% | $124.5M |
| Q1 2025 | 10.21% | 10.21% | 11.46% | 7.75% | $130.2M |
| Q2 2025 | 10.73% | 10.73% | 11.98% | 7.93% | $127.8M |
| Q3 2025 | 11.41% | 11.41% | 12.67% | 8.12% | $124.6M |
| Q4 2025 | 11.23% | 11.23% | 12.41% | 7.65% | $126.7M |
| Q1 2026 | 11.04% | 11.04% | 12.16% | 8.02% | $135.0M |
| Q2 2026 | 11.11% | 11.11% | 12.36% | 8.28% | $138.6M |
Home Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home 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 Home Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4664) · FFIEC NIC profile (RSSD 840251)