Homeland Community 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%.
Retained earnings rose 6.4% from Q1 2026 to Q2 2026, ending at $9.9M against $9.4M. It was the largest change among the key lines on this page. Within Tennessee, Homeland Community Bank is 34th of 71 on CET1 ratio, 13.83% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Homeland Community Bank sits 1.24 points lower, at 13.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.83% |
| Tier 1 risk-based capital ratio | 13.83% |
| Total risk-based capital ratio | 14.72% |
| Tier 1 leverage ratio | 8.46% |
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 | $20.3M |
| Tier 1 capital | $20.3M |
| Total risk-based capital | $21.6M |
| Total equity capital | $14.2M |
| Risk-weighted assets | $146.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.83% |
| Tangible equity to tangible assets | 5.83% |
| Equity capital to average assets | 5.92% |
| Internal capital growth rate | 17.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $9.3M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| 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 | 12.01% | 12.01% | 12.86% | 7.49% | $138.4M |
| Q4 2023 | 12.11% | 12.11% | 12.96% | 7.89% | $138.8M |
| Q1 2024 | 12.28% | 12.28% | 13.14% | 7.87% | $139.9M |
| Q2 2024 | 12.33% | 12.33% | 13.18% | 7.82% | $144.2M |
| Q3 2024 | 12.82% | 12.82% | 13.69% | 7.94% | $141.6M |
| Q4 2024 | 12.42% | 12.42% | 13.26% | 7.74% | $145.8M |
| Q1 2025 | 12.26% | 12.26% | 13.08% | 7.71% | $150.4M |
| Q2 2025 | 12.72% | 12.72% | 13.57% | 7.79% | $147.8M |
| Q3 2025 | 13.14% | 13.14% | 13.99% | 7.99% | $146.4M |
| Q4 2025 | 13.36% | 13.36% | 14.25% | 8.08% | $144.0M |
| Q1 2026 | 13.59% | 13.59% | 14.48% | 8.51% | $145.1M |
| Q2 2026 | 13.83% | 13.83% | 14.72% | 8.46% | $146.9M |
Homeland Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Homeland Community 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 Homeland Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57632) · FFIEC NIC profile (RSSD 3223408)