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%.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 1.8% between Q1 2026 and Q2 2026, to $11.5M. Hometown Bank has the 5th lowest CET1 ratio of the 84 banks headquartered in Ohio, at 10.82% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Hometown Bank sits 4.25 points lower, at 10.82% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.82% |
| Tier 1 risk-based capital ratio | 10.82% |
| Total risk-based capital ratio | 11.59% |
| Tier 1 leverage ratio | 8.17% |
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 | $20.8M |
| Tier 1 capital | $20.8M |
| Total risk-based capital | $22.3M |
| Total equity capital | $19.4M |
| Risk-weighted assets | $192.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.62% |
| Tangible equity to tangible assets | 7.62% |
| Equity capital to average assets | 7.62% |
| Internal capital growth rate | 4.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $165K |
| Common stock surplus | $9.5M |
| Retained earnings | $11.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 10.34% | 10.34% | 10.92% | 7.85% | $206.1M |
| Q4 2023 | 10.55% | 10.55% | 11.16% | 7.88% | $195.8M |
| Q1 2024 | 10.15% | 10.15% | 10.77% | 7.72% | $196.7M |
| Q2 2024 | 10.08% | 10.08% | 10.78% | 7.57% | $194.9M |
| Q3 2024 | 10.19% | 10.19% | 10.90% | 7.79% | $194.8M |
| Q4 2024 | 9.89% | 9.89% | 10.52% | 7.74% | $201.6M |
| Q1 2025 | 10.26% | 10.26% | 10.91% | 7.92% | $196.9M |
| Q2 2025 | 10.49% | 10.49% | 11.15% | 7.90% | $192.1M |
| Q3 2025 | 10.56% | 10.56% | 11.25% | 8.04% | $191.4M |
| Q4 2025 | 10.67% | 10.67% | 11.41% | 8.29% | $191.8M |
| Q1 2026 | 10.69% | 10.69% | 11.45% | 8.30% | $192.1M |
| Q2 2026 | 10.82% | 10.82% | 11.59% | 8.17% | $192.3M |
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 30219) · FFIEC NIC profile (RSSD 940674)