Hometown Bank, N.A.: 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 Risk-weighted assets, which rose 4.9% to $788.9M. Within Texas, Hometown Bank, N.A. is 135th of 184 on CET1 ratio, 14.29% as of Q2 2026, below the middle of the field. Hometown Bank, N.A. reported 14.29% on CET1 ratio for Q2 2026, 0.78 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.23% |
| Tier 1 leverage ratio | 11.33% |
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 | $112.7M |
| Tier 1 capital | $112.7M |
| Total risk-based capital | $120.1M |
| Total equity capital | $94.4M |
| Risk-weighted assets | $788.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.53% |
| Tangible equity to tangible assets | 9.53% |
| Equity capital to average assets | 9.49% |
| Internal capital growth rate | 7.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $383K |
| Common stock surplus | $415K |
| Retained earnings | $111.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.3M |
| 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 | 17.09% | 17.09% | 18.13% | 10.94% | $608.9M |
| Q4 2023 | 16.89% | 16.89% | 17.95% | 10.69% | $612.4M |
| Q1 2024 | 16.98% | 16.98% | 18.04% | 10.80% | $613.0M |
| Q2 2024 | 16.24% | 16.24% | 17.24% | 10.54% | $645.9M |
| Q3 2024 | 16.00% | 16.00% | 17.05% | 10.61% | $663.2M |
| Q4 2024 | 15.66% | 15.66% | 16.68% | 10.55% | $676.1M |
| Q1 2025 | 15.92% | 15.92% | 16.95% | 10.75% | $673.3M |
| Q2 2025 | 14.73% | 14.73% | 15.69% | 10.96% | $735.6M |
| Q3 2025 | 15.17% | 15.17% | 16.15% | 10.99% | $728.4M |
| Q4 2025 | 14.35% | 14.35% | 15.32% | 10.58% | $758.7M |
| Q1 2026 | 14.75% | 14.75% | 15.74% | 10.90% | $751.9M |
| Q2 2026 | 14.29% | 14.29% | 15.23% | 11.33% | $788.9M |
Hometown Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19603) · FFIEC NIC profile (RSSD 393953)