Hometown 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 8.6% in Q2 2026, from $19.3M to $20.9M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Hometown Bank is 14th from the bottom among 162 Minnesota banks, 10.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Hometown Bank sits 4.33 points lower, at 10.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.75% |
| Tier 1 risk-based capital ratio | 10.75% |
| Total risk-based capital ratio | 11.99% |
| Tier 1 leverage ratio | 8.28% |
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 | $56.7M |
| Tier 1 capital | $56.7M |
| Total risk-based capital | $63.3M |
| Total equity capital | $53.8M |
| Risk-weighted assets | $527.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.77% |
| Tangible equity to tangible assets | 7.21% |
| Equity capital to average assets | 7.80% |
| Internal capital growth rate | 12.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $40.0M |
| Retained earnings | $20.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | 12.34% | 12.34% | 13.60% | 8.02% | $378.4M |
| Q4 2023 | 12.48% | 12.48% | 13.73% | 8.17% | $381.2M |
| Q1 2024 | 12.27% | 12.27% | 13.52% | 8.20% | $392.8M |
| Q2 2024 | 12.24% | 12.24% | 13.50% | 8.14% | $397.6M |
| Q3 2024 | 12.03% | 12.03% | 13.28% | 8.17% | $411.9M |
| Q4 2024 | 12.12% | 12.12% | 13.37% | 8.16% | $413.0M |
| Q1 2025 | 12.28% | 12.28% | 13.53% | 8.38% | $415.8M |
| Q2 2025 | 11.68% | 11.68% | 12.93% | 8.22% | $439.6M |
| Q3 2025 | 11.64% | 11.64% | 12.89% | 8.21% | $452.6M |
| Q4 2025 | 11.49% | 11.49% | 12.74% | 8.18% | $468.6M |
| Q1 2026 | 10.82% | 10.82% | 12.07% | 8.13% | $509.0M |
| Q2 2026 | 10.75% | 10.75% | 11.99% | 8.28% | $527.7M |
Hometown Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown 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 Hometown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31028) · FFIEC NIC profile (RSSD 788773)