Homestead 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.45 percentage points in Q2 2026 to 18.55%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.62% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $98.6M |
| Tier 1 capital | $98.6M |
| Total risk-based capital | — |
| Total equity capital | $99.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.43% |
| Tangible equity to tangible assets | 17.79% |
| Equity capital to average assets | 18.55% |
| Internal capital growth rate | 8.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $38.7M |
| Retained earnings | $62.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.52% | 14.14% | 13.41% |
| Q4 2023 | 15.74% | 14.61% | 13.91% |
| Q1 2024 | 16.15% | 15.28% | 14.56% |
| Q2 2024 | 16.60% | 15.68% | 14.97% |
| Q3 2024 | 16.98% | 16.39% | 15.69% |
| Q4 2024 | 16.92% | 16.38% | 15.69% |
| Q1 2025 | 17.13% | 16.76% | 16.08% |
| Q2 2025 | 17.60% | 17.39% | 16.72% |
| Q3 2025 | 18.04% | 17.94% | 17.26% |
| Q4 2025 | 17.95% | 18.19% | 17.53% |
| Q1 2026 | 18.19% | 18.25% | 17.60% |
| Q2 2026 | 18.62% | 18.43% | 17.79% |
Homestead Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Homestead 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 Homestead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11482) · FFIEC NIC profile (RSSD 140157)