The Home Loan Savings 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%.
In Q2 2026, Equity capital to total assets edged down by 0.24 percentage points, from 11.87% to 11.63%, the largest move among the key lines here. The Home Loan Savings Bank ranks 40th of 84 Ohio banks on CET1 ratio, in the upper half at 14.63% (Q2 2026). At 14.63%, The Home Loan Savings Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 15.88% |
| Tier 1 leverage ratio | 11.68% |
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 | $45.0M |
| Tier 1 capital | $45.0M |
| Total risk-based capital | $48.9M |
| Total equity capital | $45.0M |
| Risk-weighted assets | $307.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.63% |
| Tangible equity to tangible assets | 11.63% |
| Equity capital to average assets | 11.67% |
| Internal capital growth rate | -4.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $13.5M |
| Retained earnings | $31.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37K |
| 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 | 14.30% | 14.30% | 15.56% | 11.18% | $230.8M |
| Q4 2023 | 14.65% | 14.65% | 15.90% | 11.53% | $235.3M |
| Q1 2024 | 14.72% | 14.72% | 15.97% | 11.68% | $243.2M |
| Q2 2024 | 13.36% | 13.36% | 14.61% | 10.84% | $260.2M |
| Q3 2024 | 13.43% | 13.43% | 14.68% | 10.88% | $271.8M |
| Q4 2024 | 14.19% | 14.19% | 15.44% | 11.18% | $270.7M |
| Q1 2025 | 14.26% | 14.26% | 15.51% | 11.58% | $281.3M |
| Q2 2025 | 13.57% | 13.57% | 14.82% | 11.01% | $288.4M |
| Q3 2025 | 13.86% | 13.86% | 15.11% | 11.14% | $296.6M |
| Q4 2025 | 14.43% | 14.43% | 15.69% | 11.60% | $299.9M |
| Q1 2026 | 14.89% | 14.89% | 16.14% | 11.90% | $305.6M |
| Q2 2026 | 14.63% | 14.63% | 15.88% | 11.68% | $307.8M |
The Home Loan Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home Loan Savings 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 The Home Loan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29695) · FFIEC NIC profile (RSSD 468673)