The Home Trust & 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%.
Accumulated other comprehensive income climbed 11.0% in Q2 2026, from -$4.1M to -$3.7M. It was the largest change from Q1 2026 among the key lines here. The Home Trust & Savings Bank ranks 41st of 114 Iowa banks on CET1 ratio, in the upper half at 15.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; The Home Trust & Savings Bank reported 15.11% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.11% |
| Tier 1 risk-based capital ratio | 15.11% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 10.83% |
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 | $32.0M |
| Tier 1 capital | $32.0M |
| Total risk-based capital | $34.6M |
| Total equity capital | $28.4M |
| Risk-weighted assets | $211.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
| Equity capital to average assets | 9.59% |
| Internal capital growth rate | 8.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $3.8M |
| Retained earnings | $28.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 15.00% | 15.00% | 15.00% | 10.44% | $197.1M |
| Q4 2023 | 14.57% | 14.57% | 15.74% | 10.05% | $200.0M |
| Q1 2024 | 14.34% | 14.34% | 15.48% | 9.94% | $204.2M |
| Q2 2024 | 14.38% | 14.38% | 15.49% | 10.02% | $205.3M |
| Q3 2024 | 14.51% | 14.51% | 15.63% | 10.13% | $204.0M |
| Q4 2024 | 14.22% | 14.22% | 15.30% | 10.23% | $209.8M |
| Q1 2025 | 14.23% | 14.23% | 15.37% | 10.19% | $212.0M |
| Q2 2025 | 14.76% | 14.76% | 15.94% | 10.42% | $206.8M |
| Q3 2025 | 14.94% | 14.94% | 16.13% | 10.62% | $206.8M |
| Q4 2025 | 14.79% | 14.79% | 15.96% | 10.68% | $210.3M |
| Q1 2026 | 14.75% | 14.75% | 15.95% | 10.66% | $213.4M |
| Q2 2026 | 15.11% | 15.11% | 16.33% | 10.83% | $211.9M |
The Home Trust & Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home Trust & 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 The Home Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 963) · FFIEC NIC profile (RSSD 60545)