Home Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.61% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.61% (RCOAH311).
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.
Common equity Tier 1 ratio 14.41% +7.91 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $424.1M | 424,130 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.94B | 2,943,439 | RCOAA223 |
| Recomputed ratio | 14.41% | numerator / denominator | |
| Filed ratio | 14.41% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.91 pp | $232.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.41% +6.41 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $424.1M | 424,130 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.94B | 2,943,439 | RCOAA223 |
| Recomputed ratio | 14.41% | numerator / denominator | |
| Filed ratio | 14.41% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.41 pp | $188.7M | capital that could be lost first |
Total risk-based capital ratio 15.61% +5.61 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $459.5M | 459,549 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.94B | 2,943,439 | RCOAA223 |
| Recomputed ratio | 15.61% | numerator / denominator | |
| Filed ratio | 15.61% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.61 pp | $165.2M | capital that could be lost first |
Tier 1 leverage ratio 12.11% +7.11 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $424.1M | 424,130 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.50B | 3,502,246 | RCOAA224 |
| Recomputed ratio | 12.11% | numerator / denominator | |
| Filed ratio | 12.11% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.11 pp | $249.0M | 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 | 95,028 | 94,556 | 94,167 | 93,759 | 93,389 | 93,061 | RCOAP742 |
| Retained earnings | 412,615 | 408,228 | 396,127 | 391,965 | 378,833 | 376,751 | RCOAKW00 |
| Accumulated other comprehensive income | (19,224) | (18,324) | (17,799) | (19,891) | (22,493) | (25,085) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 488,419 | 484,460 | 472,495 | 465,833 | 449,729 | 444,727 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (64,289) | (65,399) | (66,158) | (64,323) | (61,989) | (59,666) | P859 - P840 |
| Common equity Tier 1 capital | 424,130 | 419,061 | 406,337 | 401,510 | 387,740 | 385,061 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 424,130 | 419,061 | 406,337 | 401,510 | 387,740 | 385,061 | RCOA8274 |
| Tier 2 capital | 35,419 | 35,105 | 34,567 | 34,357 | 34,962 | 35,778 | RCOA5311 |
| Allowance includable in Tier 2 capital | 35,619 | 35,305 | 34,767 | 34,557 | 35,162 | 35,978 | RCOA5310 |
| Total capital | 459,549 | 454,166 | 440,904 | 435,867 | 422,702 | 420,839 | RCOA3792 |
| Total risk-weighted assets | 2,943,439 | 2,902,909 | 2,883,748 | 2,860,217 | 2,883,821 | 2,885,767 | RCOAA223 |
| Average total assets for the leverage ratio | 3,502,246 | 3,459,464 | 3,432,802 | 3,402,928 | 3,380,722 | 3,355,463 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $188.3M | $5.0M | 2.64% | 0.17% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $434.2M | $92.0M | 21.19% | 3.13% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $765.6M | $455.6M | 59.51% | 15.48% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $11.6M | $17.5M | 150.00% | 0.59% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $18.0M | $18.0M | 100.00% | 0.61% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.99B | $1.93B | 97.11% | 65.50% | RC-R Part II, item 4.d, 5.d |
| All other assets | $158.0M | $150.8M | 95.42% | 5.12% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $308.0M | $257.8M | 83.70% | 8.76% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $2.3M | $1.5M | 65.33% | 0.05% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $17.4M | NA | 0.59% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.93B | ties to item 31 ($2.93B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.94B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.94B | RCONG641, ties |
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 | Risk-based | 14.41% | 14.41% | 15.61% | 12.11% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.44% | 14.44% | 15.65% | 12.11% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.09% | 14.09% | 15.29% | 11.84% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.04% | 14.04% | 15.24% | 11.80% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.45% | 13.45% | 14.66% | 11.47% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 13.34% | 13.34% | 14.58% | 11.48% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.28% | 13.28% | 14.51% | 11.38% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.49% | 13.49% | 14.74% | 11.32% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.15% | 13.15% | 14.39% | 11.22% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.16% | 13.16% | 14.39% | 11.19% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.98% | 12.98% | 14.23% | 10.98% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.51% | 12.51% | 13.73% | 10.71% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Home Bank, N.A. (this bank) | Risk-based | 14.41% | 14.41% | 15.61% | 12.11% | |
| First Community Bank | $3.61B | Risk-based | 15.32% | 15.32% | 16.58% | 10.23% |
| Colony Bank | $3.61B | Risk-based | 13.55% | 13.55% | 14.42% | 9.97% |
| Manasquan Bank | $3.59B | Risk-based | 11.00% | 11.00% | 11.94% | 9.69% |
| Southeast Bank | $3.58B | Risk-based | 12.52% | 12.52% | 13.30% | 8.51% |
| Village Bank & Trust, N.A. | $3.63B | Risk-based | 10.97% | 10.97% | 11.88% | 9.53% |
| First Community Bank | $3.63B | Risk-based | 10.61% | 10.61% | 11.59% | 9.04% |
| First Premier Bank | $3.64B | Risk-based | 19.95% | 19.95% | 21.18% | 13.67% |
| Parkway Bank and Trust Company | $3.66B | Risk-based | 12.59% | 12.59% | 13.75% | 11.50% |
| Frandsen Bank & Trust | $3.66B | Risk-based | 13.89% | 13.89% | 15.14% | 10.02% |
| Peer 25th percentile | 11.00% | 11.00% | 11.94% | 9.53% | ||
| Peer median | 12.59% | 12.59% | 13.75% | 9.97% | ||
| Peer 75th percentile | 13.89% | 13.89% | 15.14% | 10.23% | ||
| This bank's percentile | 78 | 78 | 78 | 89 |
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/929978/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.