Home Federal Bank: 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 fell 3.5% in Q2 2026 to -$1.9M, the biggest move on this page. Within Louisiana, Home Federal Bank is 41st of 46 on CET1 ratio, 13.11% as of Q2 2026, below the middle of the field. Home Federal Bank reported 13.11% on CET1 ratio for Q2 2026, 1.96 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.11% |
| Tier 1 risk-based capital ratio | 13.11% |
| Total risk-based capital ratio | 14.20% |
| Tier 1 leverage ratio | 9.29% |
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 | $59.4M |
| Tier 1 capital | $59.4M |
| Total risk-based capital | $64.4M |
| Total equity capital | $61.2M |
| Risk-weighted assets | $453.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.50% |
| Tangible equity to tangible assets | 8.98% |
| Equity capital to average assets | 9.51% |
| Internal capital growth rate | 4.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15.3M |
| Common stock surplus | $0 |
| Retained earnings | $47.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 12.76% | 12.76% | 13.87% | 8.91% | $460.4M |
| Q4 2023 | 13.09% | 13.09% | 14.19% | 9.15% | $460.4M |
| Q1 2024 | 12.97% | 12.97% | 14.05% | 9.06% | $455.2M |
| Q2 2024 | 13.29% | 13.29% | 14.35% | 8.99% | $434.4M |
| Q3 2024 | 13.19% | 13.19% | 14.29% | 9.02% | $427.2M |
| Q4 2024 | 13.23% | 13.23% | 14.37% | 8.94% | $418.8M |
| Q1 2025 | 13.42% | 13.42% | 14.53% | 9.24% | $417.4M |
| Q2 2025 | 13.59% | 13.59% | 14.67% | 9.40% | $417.3M |
| Q3 2025 | 13.33% | 13.33% | 14.36% | 9.35% | $428.7M |
| Q4 2025 | 13.39% | 13.39% | 14.42% | 9.36% | $431.5M |
| Q1 2026 | 13.05% | 13.05% | 14.10% | 9.44% | $448.9M |
| Q2 2026 | 13.11% | 13.11% | 14.20% | 9.29% | $453.3M |
Home Federal Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Bank, 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27654) · FFIEC NIC profile (RSSD 804374)