Home Bank, 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.9% to -$19.2M. Within Louisiana, Home Bank, N.A. is 32nd of 46 on CET1 ratio, 14.41% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Home Bank, N.A. sits 0.93 points higher, at 14.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.41% |
| Tier 1 risk-based capital ratio | 14.41% |
| Total risk-based capital ratio | 15.61% |
| Tier 1 leverage ratio | 12.11% |
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 | $424.1M |
| Tier 1 capital | $424.1M |
| Total risk-based capital | $459.5M |
| Total equity capital | $488.4M |
| Risk-weighted assets | $2.94B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.56% |
| Tangible equity to tangible assets | 11.50% |
| Equity capital to average assets | 13.62% |
| Internal capital growth rate | 3.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $95.0M |
| Retained earnings | $412.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.2M |
| 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 | 12.51% | 12.51% | 13.73% | 10.71% | $2.73B |
| Q4 2023 | 12.98% | 12.98% | 14.23% | 10.98% | $2.71B |
| Q1 2024 | 13.16% | 13.16% | 14.39% | 11.19% | $2.75B |
| Q2 2024 | 13.15% | 13.15% | 14.39% | 11.22% | $2.79B |
| Q3 2024 | 13.49% | 13.49% | 14.74% | 11.32% | $2.78B |
| Q4 2024 | 13.28% | 13.28% | 14.51% | 11.38% | $2.87B |
| Q1 2025 | 13.34% | 13.34% | 14.58% | 11.48% | $2.89B |
| Q2 2025 | 13.45% | 13.45% | 14.66% | 11.47% | $2.88B |
| Q3 2025 | 14.04% | 14.04% | 15.24% | 11.80% | $2.86B |
| Q4 2025 | 14.09% | 14.09% | 15.29% | 11.84% | $2.88B |
| Q1 2026 | 14.44% | 14.44% | 15.65% | 12.11% | $2.90B |
| Q2 2026 | 14.41% | 14.41% | 15.61% | 12.11% | $2.94B |
Home Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank, 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 Home Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28094) · FFIEC NIC profile (RSSD 929978)