Hometown Bank of Pennsylvania: 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 4.6% in Q2 2026 to $20.2M, the biggest move on this page. Hometown Bank of Pennsylvania has the 2nd lowest CET1 ratio of the 72 banks headquartered in Pennsylvania, at 10.44% as of Q2 2026. Hometown Bank of Pennsylvania reported 10.44% on CET1 ratio for Q2 2026, 4.63 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 | 10.44% |
| Tier 1 risk-based capital ratio | 10.44% |
| Total risk-based capital ratio | 11.36% |
| Tier 1 leverage ratio | 8.33% |
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 | $37.4M |
| Tier 1 capital | $37.4M |
| Total risk-based capital | $40.7M |
| Total equity capital | $36.8M |
| Risk-weighted assets | $358.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.11% |
| Tangible equity to tangible assets | 8.11% |
| Equity capital to average assets | 8.19% |
| Internal capital growth rate | 9.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $719K |
| Common stock surplus | $16.5M |
| Retained earnings | $20.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$614K |
| 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 | 13.52% | 13.52% | 14.13% | 8.57% | $226.7M |
| Q4 2023 | 13.54% | 13.54% | 14.16% | 8.34% | $227.8M |
| Q1 2024 | 13.53% | 13.53% | 14.19% | 7.81% | $231.9M |
| Q2 2024 | 12.69% | 12.69% | 13.41% | 7.60% | $247.8M |
| Q3 2024 | 12.32% | 12.32% | 13.00% | 7.72% | $260.9M |
| Q4 2024 | 12.25% | 12.25% | 13.03% | 8.30% | $262.6M |
| Q1 2025 | 12.00% | 12.00% | 12.73% | 8.56% | $275.1M |
| Q2 2025 | 11.23% | 11.23% | 12.00% | 8.27% | $297.1M |
| Q3 2025 | 11.00% | 11.00% | 11.79% | 8.25% | $314.4M |
| Q4 2025 | 10.31% | 10.31% | 11.15% | 7.94% | $340.0M |
| Q1 2026 | 10.45% | 10.45% | 11.32% | 8.24% | $349.6M |
| Q2 2026 | 10.44% | 10.44% | 11.36% | 8.33% | $358.4M |
Hometown Bank of Pennsylvania regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank of Pennsylvania, 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 Pennsylvania profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58470) · FFIEC NIC profile (RSSD 3594087)