Homestead 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.40 percentage points to 9.20%. Within Michigan, Homestead Savings Bank is 11th of 43 on CET1 ratio, 18.22% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Homestead Savings Bank sits 1.34 points lower, at 18.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.22% |
| Tier 1 risk-based capital ratio | 18.22% |
| Total risk-based capital ratio | 19.48% |
| Tier 1 leverage ratio | 9.42% |
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 | $6.9M |
| Tier 1 capital | $6.9M |
| Total risk-based capital | $7.4M |
| Total equity capital | $6.6M |
| Risk-weighted assets | $38.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
| Equity capital to average assets | 8.93% |
| Internal capital growth rate | 8.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $6.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$358K |
| 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 | 14.59% | 14.59% | 15.85% | 7.55% | $39.0M |
| Q4 2023 | 15.34% | 15.34% | 16.60% | 7.91% | $37.9M |
| Q1 2024 | 14.79% | 14.79% | 16.04% | 7.65% | $39.8M |
| Q2 2024 | 15.54% | 15.54% | 16.79% | 7.84% | $38.4M |
| Q3 2024 | 15.68% | 15.68% | 16.94% | 7.97% | $38.9M |
| Q4 2024 | 15.97% | 15.97% | 17.22% | 8.40% | $38.9M |
| Q1 2025 | 16.19% | 16.19% | 17.44% | 8.22% | $38.9M |
| Q2 2025 | 16.42% | 16.42% | 17.67% | 8.39% | $39.1M |
| Q3 2025 | 16.97% | 16.97% | 18.23% | 8.82% | $38.4M |
| Q4 2025 | 17.22% | 17.22% | 18.47% | 9.16% | $38.8M |
| Q1 2026 | 17.59% | 17.59% | 18.84% | 9.09% | $38.7M |
| Q2 2026 | 18.22% | 18.22% | 19.48% | 9.42% | $38.1M |
Homestead Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Homestead 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 Homestead Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28667) · FFIEC NIC profile (RSSD 132778)