Home Bank SB: 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, Accumulated other comprehensive income rose 7.3% in Q2 2026 to -$16.4M, the biggest move on this page.
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 | 12.46% |
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 | $56.5M |
| Tier 1 capital | $56.5M |
| Total risk-based capital | — |
| Total equity capital | $40.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.28% |
| Tangible equity to tangible assets | 9.28% |
| Equity capital to average assets | 8.86% |
| Internal capital growth rate | 7.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $56.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.4M |
| 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 | 11.48% | 6.12% | 6.12% |
| Q4 2023 | 11.46% | 7.44% | 7.44% |
| Q1 2024 | 11.28% | 7.41% | 7.41% |
| Q2 2024 | 11.71% | 7.49% | 7.49% |
| Q3 2024 | 12.01% | 8.61% | 8.61% |
| Q4 2024 | 12.02% | 7.70% | 7.70% |
| Q1 2025 | 11.92% | 7.89% | 7.89% |
| Q2 2025 | 11.96% | 7.43% | 7.43% |
| Q3 2025 | 11.87% | 8.37% | 8.37% |
| Q4 2025 | 12.26% | 8.79% | 8.79% |
| Q1 2026 | 12.21% | 8.84% | 8.84% |
| Q2 2026 | 12.46% | 9.28% | 9.28% |
Home Bank SB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank SB, 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 SB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29881) · FFIEC NIC profile (RSSD 1015270)