Home Loan State Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.23% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 10.23% (RCOAH311).
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.
Common equity Tier 1 ratio 14.89% +8.39 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $16.6M | 16,622 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $111.6M | 111,627 | RCOAA223 |
| Recomputed ratio | 14.89% | numerator / denominator | |
| Filed ratio | 14.89% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.39 pp | $9.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.39% +9.39 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $19.4M | 19,412 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $111.6M | 111,627 | RCOAA223 |
| Recomputed ratio | 17.39% | numerator / denominator | |
| Filed ratio | 17.39% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.39 pp | $10.5M | capital that could be lost first |
Total risk-based capital ratio 18.23% +8.23 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $20.3M | 20,347 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $111.6M | 111,627 | RCOAA223 |
| Recomputed ratio | 18.23% | numerator / denominator | |
| Filed ratio | 18.23% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.23 pp | $9.2M | capital that could be lost first |
Tier 1 leverage ratio 7.95% +2.95 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $19.4M | 19,412 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $244.2M | 244,197 | RCOAA224 |
| Recomputed ratio | 7.95% | numerator / denominator | |
| Filed ratio | 7.95% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.95 pp | $7.2M | 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 | 1,415 | 1,415 | 1,415 | 1,415 | 1,415 | 1,415 | RCOAP742 |
| Retained earnings | 15,207 | 14,587 | 14,169 | 14,294 | 13,260 | 13,061 | RCOAKW00 |
| Accumulated other comprehensive income | (3,272) | (2,840) | (2,656) | (2,997) | (4,640) | (4,320) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 13,350 | 13,162 | 12,928 | 12,712 | 10,035 | 10,156 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,272 | 2,840 | 2,656 | 2,997 | 4,640 | 4,320 | P859 - P840 |
| Common equity Tier 1 capital | 16,622 | 16,002 | 15,584 | 15,709 | 14,675 | 14,476 | RCOAP859 |
| Additional Tier 1 capital | 2,790 | 2,790 | 2,790 | 2,790 | 2,790 | 2,790 | RCOAP865 |
| Tier 1 capital | 19,412 | 18,792 | 18,374 | 18,499 | 17,465 | 17,266 | RCOA8274 |
| Tier 2 capital | 935 | 935 | 935 | 935 | 1,414 | 1,373 | RCOA5311 |
| Allowance includable in Tier 2 capital | 935 | 935 | 935 | 935 | 1,414 | 1,373 | RCOA5310 |
| Total capital | 20,347 | 19,727 | 19,309 | 19,434 | 18,879 | 18,639 | RCOA3792 |
| Total risk-weighted assets | 111,627 | 114,120 | 111,581 | 111,487 | 111,512 | 108,227 | RCOAA223 |
| Average total assets for the leverage ratio | 244,197 | 238,232 | 220,042 | 212,282 | 199,829 | 207,106 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $41.5M | $1.0M | 2.48% | 0.92% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $94.2M | $15.9M | 16.89% | 14.14% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $28.3M | $14.2M | 50.00% | 12.58% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $361K | $542K | 150.00% | 0.48% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $60.6M | $60.6M | 100.00% | 53.81% | RC-R Part II, item 4.d, 5.d |
| All other assets | $15.5M | $14.8M | 95.78% | 13.17% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $24K | $300K | 1250.00% | 0.27% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $9.0M | $5.0M | 55.80% | 4.45% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $215K | NA | 0.19% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $112.3M | ties to item 31 ($112.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $112.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $935K | 3128 |
| Total risk-weighted assets | $111.6M | RCONG641, ties |
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 | Risk-based | 14.89% | 17.39% | 18.23% | 7.95% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.02% | 16.47% | 17.29% | 7.89% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.97% | 16.47% | 17.30% | 8.35% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.09% | 16.59% | 17.43% | 8.71% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.16% | 15.66% | 16.93% | 8.74% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.38% | 15.95% | 17.22% | 8.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.81% | 15.31% | 16.58% | 8.29% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.95% | 15.46% | 16.73% | 9.02% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.82% | 15.42% | 16.69% | 8.68% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.04% | 15.60% | 16.37% | 9.22% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.87% | 15.46% | 16.23% | 8.76% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.68% | 15.29% | 16.07% | 8.51% | 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 Loan State Bank (this bank) | Risk-based | 14.89% | 17.39% | 18.23% | 7.95% | |
| Loyal Trust Bank | $235.3M | Risk-based | 15.84% | 15.84% | 17.09% | 10.77% |
| Cypress Bank, SSB | $235.5M | Risk-based | 20.50% | 20.50% | 21.49% | 11.44% |
| First Federal Savings and Loan Association of Central Illinois, S.B. | $235.0M | Risk-based | 14.02% | 14.02% | 15.16% | 10.73% |
| First National Bank of Izard County | $234.8M | CBLR | NA | NA | NA | 31.14% |
| Crossroads Bank | $234.7M | CBLR | NA | NA | NA | 15.97% |
| Warren-Boynton State Bank | $234.5M | Risk-based | 18.19% | 18.19% | 19.27% | 12.08% |
| Anna-Jonesboro National Bank | $234.2M | Risk-based | 31.95% | 31.95% | 33.21% | 14.57% |
| Williamstown Bank, Inc. | $236.7M | CBLR | NA | NA | NA | 10.14% |
| Peer 25th percentile | 15.84% | 15.84% | 17.09% | 10.76% | ||
| Peer median | 18.19% | 18.19% | 19.27% | 11.76% | ||
| Peer 75th percentile | 20.50% | 20.50% | 21.49% | 14.92% | ||
| This bank's percentile | 20 | 40 | 40 | 0 |
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/499154/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.