Hometown Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.99% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.99% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 10.75% +4.25 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $56.7M | 56,726 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $527.7M | 527,707 | RCOAA223 |
| Recomputed ratio | 10.75% | numerator / denominator | |
| Filed ratio | 10.75% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.25 pp | $22.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.75% +2.75 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $56.7M | 56,726 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $527.7M | 527,707 | RCOAA223 |
| Recomputed ratio | 10.75% | numerator / denominator | |
| Filed ratio | 10.75% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.75 pp | $14.5M | capital that could be lost first |
Total risk-based capital ratio 11.99% +1.99 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $63.3M | 63,259 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $527.7M | 527,707 | RCOAA223 |
| Recomputed ratio | 11.99% | numerator / denominator | |
| Filed ratio | 11.99% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.99 pp | $10.5M | capital that could be lost first |
Tier 1 leverage ratio 8.28% +3.27 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $56.7M | 56,726 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $685.5M | 685,511 | RCOAA224 |
| Recomputed ratio | 8.28% | numerator / denominator | |
| Filed ratio | 8.28% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.27 pp | $22.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 40,000 | 40,000 | 40,000 | 40,000 | 35,000 | 35,000 | RCOAP742 |
| Retained earnings | 20,932 | 19,276 | 18,060 | 16,905 | 20,561 | 20,247 | RCOAKW00 |
| Accumulated other comprehensive income | (7,148) | (7,803) | (7,434) | (8,519) | (9,635) | (11,137) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 53,784 | 51,473 | 50,626 | 48,386 | 45,926 | 44,110 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,942 | 3,597 | 3,228 | 4,313 | 5,429 | 6,931 | P859 - P840 |
| Common equity Tier 1 capital | 56,726 | 55,070 | 53,854 | 52,699 | 51,355 | 51,041 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 56,726 | 55,070 | 53,854 | 52,699 | 51,355 | 51,041 | RCOA8274 |
| Tier 2 capital | 6,533 | 6,362 | 5,863 | 5,663 | 5,499 | 5,202 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,533 | 6,362 | 5,863 | 5,663 | 5,499 | 5,202 | RCOA5310 |
| Total capital | 63,259 | 61,432 | 59,717 | 58,362 | 56,854 | 56,243 | RCOA3792 |
| Total risk-weighted assets | 527,707 | 508,988 | 468,621 | 452,646 | 439,578 | 415,806 | RCOAA223 |
| Average total assets for the leverage ratio | 685,511 | 677,017 | 658,143 | 641,968 | 624,569 | 608,884 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $14.7M | $1.9M | 12.81% | 0.36% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $132.4M | $24.2M | 18.27% | 4.58% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $186.7M | $123.2M | 65.98% | 23.34% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $328.9M | $323.0M | 98.21% | 61.21% | RC-R Part II, item 4.d, 5.d |
| All other assets | $41.2M | $40.7M | 98.88% | 7.71% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $719K | $719K | 100.00% | 0.14% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $14.0M | NA | 2.66% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $513.7M | ties to item 31 ($513.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $527.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $527.7M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 10.75% | 10.75% | 11.99% | 8.28% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.82% | 10.82% | 12.07% | 8.13% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.49% | 11.49% | 12.74% | 8.18% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.64% | 11.64% | 12.89% | 8.21% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.68% | 11.68% | 12.93% | 8.22% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.28% | 12.28% | 13.53% | 8.38% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.12% | 12.12% | 13.37% | 8.16% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.03% | 12.03% | 13.28% | 8.17% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.24% | 12.24% | 13.50% | 8.14% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.27% | 12.27% | 13.52% | 8.20% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.48% | 12.48% | 13.73% | 8.17% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.34% | 12.34% | 13.60% | 8.02% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Hometown Bank (this bank) | Risk-based | 10.75% | 10.75% | 11.99% | 8.28% | |
| Citizens National Bank | $691.8M | Risk-based | 17.18% | 17.18% | 18.43% | 12.73% |
| Premier Bank Minnesota | $691.5M | Risk-based | 12.43% | 12.43% | 13.68% | 10.02% |
| American Nation Bank | $691.5M | CBLR | NA | NA | NA | 10.31% |
| Baker Boyer National Bank | $692.9M | Risk-based | 15.43% | 15.43% | 16.46% | 9.25% |
| Trupoint Bank | $690.8M | CBLR | NA | NA | NA | 10.60% |
| Citizens Bank | $690.6M | Risk-based | 12.51% | 12.51% | 13.59% | 9.78% |
| Southwest Bank | $693.7M | CBLR | NA | NA | NA | 11.33% |
| Capital Bank | $689.7M | Risk-based | 13.14% | 13.14% | 14.36% | 10.81% |
| Banknorth | $694.1M | Risk-based | 10.47% | 10.47% | 11.51% | 10.32% |
| First Community Bank of Central Alabama | $694.3M | Risk-based | 10.76% | 10.76% | 12.02% | 8.57% |
| Peer 25th percentile | 11.60% | 11.60% | 12.80% | 9.84% | ||
| Peer median | 12.51% | 12.51% | 13.68% | 10.32% | ||
| Peer 75th percentile | 14.28% | 14.28% | 15.41% | 10.76% | ||
| This bank's percentile | 14 | 14 | 14 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/788773/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.