The Home National Bank of Thorntown: 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 rose 4.9% in Q2 2026 to -$1.3M, 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 | 10.37% |
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 | $19.1M |
| Tier 1 capital | $19.1M |
| Total risk-based capital | — |
| Total equity capital | $17.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.57% |
| Tangible equity to tangible assets | 9.57% |
| Equity capital to average assets | 9.65% |
| Internal capital growth rate | 10.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $360K |
| Common stock surplus | $420K |
| Retained earnings | $18.3M |
| 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 | 15.84% | 15.84% | 17.09% | 9.48% | $96.8M |
| Q4 2023 | 15.30% | 15.30% | 16.55% | 9.22% | $100.9M |
| Q1 2024 | 15.62% | 15.62% | 16.87% | 9.18% | $100.3M |
| Q2 2024 | 15.58% | 15.58% | 16.84% | 9.56% | $102.5M |
| Q3 2024 | 16.03% | 16.03% | 17.28% | 9.82% | $102.7M |
| Q4 2024 | 15.92% | 15.92% | 17.17% | 9.41% | $104.5M |
| Q1 2025 | — | — | — | 9.64% | — |
| Q2 2025 | — | — | — | 9.75% | — |
| Q3 2025 | — | — | — | 9.77% | — |
| Q4 2025 | — | — | — | 9.88% | — |
| Q1 2026 | — | — | — | 10.28% | — |
| Q2 2026 | — | — | — | 10.37% | — |
The Home National Bank of Thorntown regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home National Bank of Thorntown, 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 National Bank of Thorntown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14225) · FFIEC NIC profile (RSSD 696645)