Home State BANK/N.A.: 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%.
Total risk-based capital ratio fell 1.11 percentage points from Q1 2026 to Q2 2026, ending at 18.85% against 19.96%. It was the largest change among the key lines on this page. Within Illinois, Home State BANK/N.A. is 73rd of 198 on CET1 ratio, 17.60% as of Q2 2026, above the middle of the field. Home State BANK/N.A. reported 17.60% on CET1 ratio for Q2 2026, 2.53 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.60% |
| Tier 1 risk-based capital ratio | 17.60% |
| Total risk-based capital ratio | 18.85% |
| Tier 1 leverage ratio | 11.79% |
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 | $93.4M |
| Tier 1 capital | $93.4M |
| Total risk-based capital | $100.1M |
| Total equity capital | $81.9M |
| Risk-weighted assets | $530.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.55% |
| Tangible equity to tangible assets | 10.55% |
| Equity capital to average assets | 10.33% |
| Internal capital growth rate | -8.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $24.5M |
| Retained earnings | $68.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.6M |
| 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 | 19.03% | 19.03% | 20.16% | 11.57% | $466.8M |
| Q4 2023 | 18.61% | 18.61% | 19.78% | 11.82% | $474.5M |
| Q1 2024 | 18.78% | 18.78% | 19.96% | 12.06% | $478.9M |
| Q2 2024 | 18.07% | 18.07% | 19.26% | 11.78% | $487.3M |
| Q3 2024 | 18.38% | 18.38% | 19.63% | 11.91% | $486.5M |
| Q4 2024 | 18.66% | 18.66% | 19.91% | 11.95% | $485.0M |
| Q1 2025 | 19.04% | 19.04% | 20.29% | 12.15% | $483.6M |
| Q2 2025 | 18.29% | 18.29% | 19.49% | 11.71% | $492.1M |
| Q3 2025 | 18.34% | 18.34% | 19.55% | 11.87% | $500.8M |
| Q4 2025 | 18.47% | 18.47% | 19.73% | 11.84% | $503.5M |
| Q1 2026 | 18.71% | 18.71% | 19.96% | 12.16% | $509.3M |
| Q2 2026 | 17.60% | 17.60% | 18.85% | 11.79% | $530.9M |
Home State BANK/N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Home State BANK/N.A., 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/N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12815) · FFIEC NIC profile (RSSD 696430)