Home 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.7% to -$2.5M. Home State Bank has the 2nd lowest CET1 ratio of the 114 banks headquartered in Iowa, at 10.04% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Home State Bank sits 5.03 points lower, at 10.04% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.04% |
| Tier 1 risk-based capital ratio | 10.04% |
| Total risk-based capital ratio | 11.31% |
| Tier 1 leverage ratio | 8.91% |
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 | $43.1M |
| Tier 1 capital | $43.1M |
| Total risk-based capital | $48.6M |
| Total equity capital | $41.5M |
| Risk-weighted assets | $429.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.64% |
| Tangible equity to tangible assets | 8.46% |
| Equity capital to average assets | 8.56% |
| Internal capital growth rate | 0.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $700K |
| Common stock surplus | $11.7M |
| Retained earnings | $31.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 10.19% | 10.19% | 11.19% | 9.07% | $362.2M |
| Q4 2023 | 9.81% | 9.81% | 10.82% | 8.85% | $376.1M |
| Q1 2024 | 10.00% | 10.00% | 11.07% | 8.91% | $376.4M |
| Q2 2024 | 10.13% | 10.13% | 11.24% | 9.16% | $379.3M |
| Q3 2024 | 9.98% | 9.98% | 11.09% | 9.32% | $393.1M |
| Q4 2024 | 10.24% | 10.24% | 11.34% | 9.28% | $389.3M |
| Q1 2025 | 10.22% | 10.22% | 11.36% | 9.43% | $395.8M |
| Q2 2025 | 10.41% | 10.41% | 11.59% | 9.32% | $395.3M |
| Q3 2025 | 10.12% | 10.12% | 11.33% | 9.49% | $414.0M |
| Q4 2025 | 10.05% | 10.05% | 11.31% | 9.16% | $418.7M |
| Q1 2026 | 10.14% | 10.14% | 11.40% | 9.11% | $425.4M |
| Q2 2026 | 10.04% | 10.04% | 11.31% | 8.91% | $429.6M |
Home State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14867) · FFIEC NIC profile (RSSD 653947)