Home Banking Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 10.08% +1.08 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $12.9M | 12,901 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $127.9M | 127,925 | RCOAA224 |
| Recomputed ratio | 10.08% | numerator / denominator | |
| Filed ratio | 10.08% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.08 pp | $1.4M | 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 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | RCOAP742 |
| Retained earnings | 10,665 | 10,593 | 10,403 | 10,379 | 10,383 | 10,293 | RCOAKW00 |
| Accumulated other comprehensive income | (2,055) | (2,172) | (2,248) | (2,384) | (2,669) | (2,925) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,110 | 10,921 | 10,655 | 10,495 | 10,214 | 9,868 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,791 | 1,918 | 1,995 | 2,128 | 2,413 | 2,667 | P859 - P840 |
| Common equity Tier 1 capital | 12,901 | 12,839 | 12,650 | 12,623 | 12,627 | 12,535 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 12,901 | 12,839 | 12,650 | 12,623 | 12,627 | 12,535 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | 556 | 642 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | 556 | 642 | |
| Total capital | NA | NA | NA | NA | 13,183 | 13,177 | |
| Total risk-weighted assets | NA | NA | NA | NA | 64,441 | 70,611 | |
| Average total assets for the leverage ratio | 127,925 | 125,548 | 122,225 | 122,859 | 137,778 | 146,442 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 10.08% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.23% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.35% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.27% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 19.59% | 19.59% | 20.46% | 9.16% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 17.75% | 17.75% | 18.66% | 8.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.75% | 14.75% | 15.55% | 7.31% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.97% | 13.97% | 14.75% | 7.30% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.78% | 13.78% | 14.56% | 7.10% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.31% | 13.31% | 14.08% | 7.23% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.23% | 14.23% | 15.06% | 7.52% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.52% | 14.52% | 15.33% | 7.74% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Banking Company (this bank) | CBLR | NA | NA | NA | 10.08% | |
| Connect Bank | $123.9M | CBLR | NA | NA | NA | 15.92% |
| Stockmens National Bank in Cotulla | $124.1M | CBLR | NA | NA | NA | 10.62% |
| DNB National Bank | $124.1M | Risk-based | 22.04% | 22.04% | 22.98% | 8.89% |
| State Bank of New Richland | $124.2M | Risk-based | 11.97% | 11.97% | 12.91% | 9.96% |
| First State Bank of Golva | $123.5M | Risk-based | 15.38% | 15.38% | 16.30% | 9.02% |
| Princeville State Bank | $124.4M | CBLR | NA | NA | NA | 9.23% |
| The Samson Banking Company | $124.5M | CBLR | NA | NA | NA | 14.76% |
| Adelphi Bank | $124.5M | CBLR | NA | NA | NA | 15.82% |
| Woodsfield Savings Bank | $123.3M | Risk-based | 14.23% | 14.23% | 15.48% | 8.61% |
| Wilson State Bank | $123.1M | Risk-based | 12.52% | 12.52% | 13.31% | 9.48% |
| Peer 25th percentile | 12.52% | 12.52% | 13.31% | 9.07% | ||
| Peer median | 14.23% | 14.23% | 15.48% | 9.72% | ||
| Peer 75th percentile | 15.38% | 15.38% | 16.30% | 13.73% | ||
| This bank's percentile | NA | NA | NA | 60 |
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/138556/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.