Hometown Bank of Corbin Inc.: 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%.
Compared with Q1 2026, Retained earnings rose 2.8% in Q2 2026 to $14.9M, the biggest move on this page. Hometown Bank of Corbin Inc. ranks 54th of 69 Kentucky banks on CET1 ratio, in the lower half at 12.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Hometown Bank of Corbin Inc. sits 2.60 points lower, at 12.47% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.47% |
| Tier 1 risk-based capital ratio | 12.47% |
| Total risk-based capital ratio | 13.22% |
| Tier 1 leverage ratio | 8.78% |
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 | $26.8M |
| Tier 1 capital | $26.8M |
| Total risk-based capital | $28.4M |
| Total equity capital | $20.1M |
| Risk-weighted assets | $214.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.65% |
| Tangible equity to tangible assets | 6.59% |
| Equity capital to average assets | 6.59% |
| Internal capital growth rate | 8.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $11.5M |
| Retained earnings | $14.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | 13.35% | 13.35% | 14.13% | 8.45% | $183.1M |
| Q4 2023 | 13.36% | 13.36% | 14.15% | 8.43% | $183.4M |
| Q1 2024 | 13.36% | 13.36% | 14.18% | 8.37% | $182.8M |
| Q2 2024 | 12.10% | 12.10% | 12.82% | 8.44% | $202.4M |
| Q3 2024 | 12.14% | 12.14% | 12.86% | 8.15% | $203.2M |
| Q4 2024 | 12.11% | 12.11% | 12.81% | 8.07% | $205.4M |
| Q1 2025 | 12.25% | 12.25% | 12.96% | 8.23% | $204.7M |
| Q2 2025 | 12.26% | 12.26% | 12.97% | 7.96% | $206.2M |
| Q3 2025 | 12.23% | 12.23% | 12.94% | 8.02% | $209.0M |
| Q4 2025 | 12.19% | 12.19% | 12.91% | 8.52% | $213.1M |
| Q1 2026 | 12.55% | 12.55% | 13.28% | 8.60% | $210.0M |
| Q2 2026 | 12.47% | 12.47% | 13.22% | 8.78% | $214.6M |
Hometown Bank of Corbin Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank of Corbin Inc., 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 of Corbin Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35455) · FFIEC NIC profile (RSSD 2897633)