Home 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%.
The largest change between Q1 2026 and Q2 2026 was in Total risk-based capital ratio, which rose 1.39 percentage points to 30.54%. Within Kansas, Home Savings Bank is 9th of 85 on CET1 ratio, 29.28% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Home Savings Bank reported 29.28% on CET1 ratio in Q2 2026, 14.21 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.28% |
| Tier 1 risk-based capital ratio | 29.28% |
| Total risk-based capital ratio | 30.54% |
| Tier 1 leverage ratio | 16.73% |
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 | $19.1M |
| Tier 1 capital | $19.1M |
| Total risk-based capital | $19.9M |
| Total equity capital | $19.6M |
| Risk-weighted assets | $65.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.99% |
| Tangible equity to tangible assets | 16.99% |
| Equity capital to average assets | 16.99% |
| Internal capital growth rate | 6.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $20.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$507K |
| 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 | 23.26% | 23.26% | 24.51% | 16.09% | $69.1M |
| Q4 2023 | 23.96% | 23.96% | 25.22% | 16.10% | $68.5M |
| Q1 2024 | 23.72% | 23.72% | 24.97% | 16.19% | $70.2M |
| Q2 2024 | 24.33% | 24.33% | 25.60% | 16.40% | $69.3M |
| Q3 2024 | 24.45% | 24.45% | 25.70% | 16.85% | $70.2M |
| Q4 2024 | 23.75% | 23.75% | 25.01% | 16.42% | $72.4M |
| Q1 2025 | 25.03% | 25.03% | 26.28% | 16.47% | $69.8M |
| Q2 2025 | 25.75% | 25.75% | 27.01% | 16.17% | $68.9M |
| Q3 2025 | 26.60% | 26.60% | 27.85% | 16.91% | $68.6M |
| Q4 2025 | 27.42% | 27.42% | 28.68% | 16.70% | $67.8M |
| Q1 2026 | 27.90% | 27.90% | 29.15% | 16.68% | $67.4M |
| Q2 2026 | 29.28% | 29.28% | 30.54% | 16.73% | $65.2M |
Home Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home 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 Home Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28246) · FFIEC NIC profile (RSSD 765877)