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%.
Accumulated other comprehensive income climbed 8.1% in Q2 2026, from -$10.4M to -$9.6M. It was the largest change from Q1 2026 among the key lines here. Home State Bank ranks 57th of 161 Minnesota banks on CET1 ratio, in the upper half at 15.89% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Home State Bank sits 0.82 points higher, at 15.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.89% |
| Tier 1 risk-based capital ratio | 15.89% |
| Total risk-based capital ratio | 16.71% |
| Tier 1 leverage ratio | 11.81% |
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 | $26.9M |
| Tier 1 capital | $26.9M |
| Total risk-based capital | $28.3M |
| Total equity capital | $17.3M |
| Risk-weighted assets | $169.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.90% |
| Tangible equity to tangible assets | 7.90% |
| Equity capital to average assets | 7.60% |
| Internal capital growth rate | 8.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $12.8M |
| Retained earnings | $14.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.6M |
| 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 | 14.33% | 14.33% | 15.20% | 11.16% | $155.6M |
| Q4 2023 | 14.33% | 14.33% | 15.16% | 11.46% | $158.6M |
| Q1 2024 | 14.72% | 14.72% | 15.57% | 10.84% | $158.0M |
| Q2 2024 | 15.16% | 15.16% | 16.03% | 10.92% | $155.0M |
| Q3 2024 | 15.17% | 15.17% | 16.04% | 11.11% | $157.3M |
| Q4 2024 | 14.78% | 14.78% | 15.63% | 11.09% | $163.6M |
| Q1 2025 | 15.20% | 15.20% | 16.06% | 11.15% | $162.7M |
| Q2 2025 | 14.72% | 14.72% | 15.53% | 11.26% | $170.2M |
| Q3 2025 | 14.92% | 14.92% | 15.73% | 11.47% | $170.8M |
| Q4 2025 | 15.50% | 15.50% | 16.32% | 11.63% | $167.0M |
| Q1 2026 | 15.46% | 15.46% | 16.27% | 11.85% | $171.4M |
| Q2 2026 | 15.89% | 15.89% | 16.71% | 11.81% | $169.1M |
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 9745) · FFIEC NIC profile (RSSD 983550)