Home Banking 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 5.4% to -$2.1M.
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 | 10.08% |
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 | $12.9M |
| Tier 1 capital | $12.9M |
| Total risk-based capital | — |
| Total equity capital | $11.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.96% |
| Tangible equity to tangible assets | 8.82% |
| Equity capital to average assets | 8.67% |
| Internal capital growth rate | 2.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $122K |
| Common stock surplus | $2.4M |
| Retained earnings | $10.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 14.52% | 14.52% | 15.33% | 7.74% | $74.5M |
| Q4 2023 | 14.23% | 14.23% | 15.06% | 7.52% | $75.2M |
| Q1 2024 | 13.31% | 13.31% | 14.08% | 7.23% | $80.0M |
| Q2 2024 | 13.78% | 13.78% | 14.56% | 7.10% | $77.4M |
| Q3 2024 | 13.97% | 13.97% | 14.75% | 7.30% | $75.4M |
| Q4 2024 | 14.75% | 14.75% | 15.55% | 7.31% | $71.8M |
| Q1 2025 | 17.75% | 17.75% | 18.66% | 8.56% | $70.6M |
| Q2 2025 | 19.59% | 19.59% | 20.46% | 9.16% | $64.4M |
| Q3 2025 | — | — | — | 10.27% | — |
| Q4 2025 | — | — | — | 10.35% | — |
| Q1 2026 | — | — | — | 10.23% | — |
| Q2 2026 | — | — | — | 10.08% | — |
Home Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Banking 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9196) · FFIEC NIC profile (RSSD 138556)