Home Loan State 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 15.2% lower than in Q1 2026, at -$3.3M. Home Loan State Bank ranks 18th of 34 Colorado banks on CET1 ratio, in the lower half at 14.89% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Home Loan State Bank reported 14.89% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.89% |
| Tier 1 risk-based capital ratio | 17.39% |
| Total risk-based capital ratio | 18.23% |
| Tier 1 leverage ratio | 7.95% |
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 | $16.6M |
| Tier 1 capital | $19.4M |
| Total risk-based capital | $20.3M |
| Total equity capital | $16.1M |
| Risk-weighted assets | $111.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.86% |
| Tangible equity to tangible assets | 6.86% |
| Equity capital to average assets | 6.61% |
| Internal capital growth rate | 15.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $210K |
| Common stock surplus | $1.2M |
| Retained earnings | $15.2M |
| Preferred stock and surplus | $2.8M |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 12.68% | 15.29% | 16.07% | 8.51% | $106.8M |
| Q4 2023 | 12.87% | 15.46% | 16.23% | 8.76% | $107.9M |
| Q1 2024 | 13.04% | 15.60% | 16.37% | 9.22% | $108.7M |
| Q2 2024 | 12.82% | 15.42% | 16.69% | 8.68% | $107.2M |
| Q3 2024 | 12.95% | 15.46% | 16.73% | 9.02% | $111.2M |
| Q4 2024 | 12.81% | 15.31% | 16.58% | 8.29% | $111.5M |
| Q1 2025 | 13.38% | 15.95% | 17.22% | 8.34% | $108.2M |
| Q2 2025 | 13.16% | 15.66% | 16.93% | 8.74% | $111.5M |
| Q3 2025 | 14.09% | 16.59% | 17.43% | 8.71% | $111.5M |
| Q4 2025 | 13.97% | 16.47% | 17.30% | 8.35% | $111.6M |
| Q1 2026 | 14.02% | 16.47% | 17.29% | 7.89% | $114.1M |
| Q2 2026 | 14.89% | 17.39% | 18.23% | 7.95% | $111.6M |
Home Loan State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Loan State 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 Loan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90040) · FFIEC NIC profile (RSSD 499154)