Home Federal Savings and Loan Association of Niles Ohio: 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, Retained earnings rose 4.2% in Q2 2026 to $6.7M, 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 | 10.74% |
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 | $16.9M |
| Tier 1 capital | $16.9M |
| Total risk-based capital | — |
| Total equity capital | $17.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.92% |
| Tangible equity to tangible assets | 9.97% |
| Equity capital to average assets | 10.89% |
| Internal capital growth rate | 6.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $18K |
| Common stock surplus | $12.0M |
| Retained earnings | $6.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | — | — | — | 8.83% | — |
| Q4 2023 | 14.12% | 14.12% | 15.27% | 8.75% | $94.6M |
| Q1 2024 | 14.83% | 14.83% | 15.96% | 8.88% | $91.2M |
| Q2 2024 | 14.32% | 14.32% | 15.42% | 9.04% | $93.8M |
| Q3 2024 | 14.32% | 14.32% | 15.39% | 9.15% | $96.4M |
| Q4 2024 | 14.21% | 14.21% | 15.27% | 8.97% | $98.0M |
| Q1 2025 | 14.21% | 14.21% | 15.22% | 9.10% | $99.9M |
| Q2 2025 | 15.57% | 15.57% | 16.52% | 9.96% | $100.8M |
| Q3 2025 | 15.68% | 15.68% | 16.61% | 10.22% | $102.3M |
| Q4 2025 | 16.45% | 16.45% | 17.35% | 10.39% | $99.9M |
| Q1 2026 | — | — | — | 10.91% | — |
| Q2 2026 | — | — | — | 10.74% | — |
Home Federal Savings and Loan Association of Niles Ohio regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Savings and Loan Association of Niles Ohio, 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 Savings and Loan Association of Niles Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28349) · FFIEC NIC profile (RSSD 71073)