The Hometown Bank of Alabama: 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%.
Accumulated other comprehensive income climbed 11.5% in Q2 2026, from -$12.8M to -$11.3M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, The Hometown Bank of Alabama is 7th of 36 on CET1 ratio, 18.97% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Hometown Bank of Alabama sits 3.90 points higher, at 18.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.97% |
| Tier 1 risk-based capital ratio | 18.97% |
| Total risk-based capital ratio | 20.07% |
| Tier 1 leverage ratio | 11.08% |
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 | $74.3M |
| Tier 1 capital | $74.3M |
| Total risk-based capital | $78.7M |
| Total equity capital | $63.1M |
| Risk-weighted assets | $391.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.54% |
| Tangible equity to tangible assets | 9.54% |
| Equity capital to average assets | 9.40% |
| Internal capital growth rate | 9.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $423K |
| Common stock surplus | $16.7M |
| Retained earnings | $57.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.3M |
| 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 | 19.23% | 19.23% | 20.21% | 10.91% | $336.4M |
| Q4 2023 | 19.49% | 19.49% | 20.45% | 11.39% | $342.9M |
| Q1 2024 | 17.82% | 17.82% | 18.72% | 10.25% | $363.4M |
| Q2 2024 | 17.93% | 17.93% | 18.92% | 10.25% | $367.4M |
| Q3 2024 | 18.42% | 18.42% | 19.35% | 10.61% | $370.6M |
| Q4 2024 | 19.03% | 19.03% | 20.07% | 11.06% | $373.7M |
| Q1 2025 | 18.68% | 18.68% | 19.73% | 10.76% | $372.1M |
| Q2 2025 | 19.04% | 19.04% | 20.08% | 10.96% | $375.1M |
| Q3 2025 | 19.54% | 19.54% | 20.61% | 11.28% | $377.1M |
| Q4 2025 | 19.32% | 19.32% | 20.37% | 11.54% | $389.7M |
| Q1 2026 | 18.66% | 18.66% | 19.71% | 11.01% | $390.4M |
| Q2 2026 | 18.97% | 18.97% | 20.07% | 11.08% | $391.8M |
The Hometown Bank of Alabama regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hometown Bank of Alabama, 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 The Hometown Bank of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57540) · FFIEC NIC profile (RSSD 3217331)