Home Savings and Loan Association of Carroll County, F.A.: Tier 1 Leverage Ratio
Data as of · sourced from FFIEC call reports. How we update
Home Savings and Loan Association of Carroll County, F.A. reported a tier 1 leverage ratio of 14.53% as of Q2 2026, ranking #452 of 3,631 U.S. banks (88th percentile). The Tier 1 Leverage Ratio measures Tier 1 capital against unweighted average assets, a simpler backstop that prevents banks from gaming the risk-based capital rules.
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What is the Tier 1 Leverage Ratio?
The Tier 1 Leverage Ratio measures Tier 1 capital against average total assets. Unlike the risk-based capital ratios, it does not weight assets by their risk. It is the simple backstop that prevents banks from gaming the risk-based system.
Most US community banks report leverage ratios between 8% and 12%. Ratios below 5% warrant attention. The bank is heavily levered and thinly capitalized in absolute terms regardless of asset mix. The metric is most useful as a comparison to CET1: a wide gap (e.g., 15% CET1 vs 6% leverage) indicates an asset mix tilted toward low-risk-weighted securities or government-backed loans.
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What is Home Savings and Loan Association of Carroll County, F.A.'s Tier 1 Leverage Ratio?
Home Savings and Loan Association of Carroll County, F.A.'s Tier 1 Leverage Ratio was 14.53% as of Q2 2026, ranking #452 of 3,631 U.S. banks.
What is the Tier 1 Leverage Ratio?
The Tier 1 Leverage Ratio measures Tier 1 capital against average total assets. Unlike the risk-based capital ratios, it does not weight assets by their risk. It is the simple backstop that prevents banks from gaming the risk-based system.
More Home Savings and Loan Association of Carroll County, F.A. metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Home Savings and Loan Association of Carroll County, F.A. profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 27898) · FFIEC NIC profile (RSSD 612878)