Hometown Bank of Pennsylvania: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.36% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.36% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 10.44% +3.94 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $37.4M | 37,417 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $358.4M | 358,362 | RCOAA223 |
| Recomputed ratio | 10.44% | numerator / denominator | |
| Filed ratio | 10.44% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +3.94 pp | $14.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.44% +2.44 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $37.4M | 37,417 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $358.4M | 358,362 | RCOAA223 |
| Recomputed ratio | 10.44% | numerator / denominator | |
| Filed ratio | 10.44% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.44 pp | $8.7M | capital that could be lost first |
Total risk-based capital ratio 11.36% +1.36 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $40.7M | 40,702 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $358.4M | 358,362 | RCOAA223 |
| Recomputed ratio | 11.36% | numerator / denominator | |
| Filed ratio | 11.36% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.36 pp | $4.9M | capital that could be lost first |
Tier 1 leverage ratio 8.33% +3.33 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $37.4M | 37,417 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $449.2M | 449,241 | RCOAA224 |
| Recomputed ratio | 8.33% | numerator / denominator | |
| Filed ratio | 8.33% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.33 pp | $15.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 17,219 | 17,219 | 17,219 | 17,219 | 17,219 | 17,219 | RCOAP742 |
| Retained earnings | 20,198 | 19,305 | 17,846 | 17,364 | 16,152 | 15,801 | RCOAKW00 |
| Accumulated other comprehensive income | (614) | (537) | (80) | (763) | (1,511) | (1,567) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 36,803 | 35,987 | 34,985 | 33,820 | 31,860 | 31,453 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 614 | 537 | 80 | 763 | 1,511 | 1,567 | P859 - P840 |
| Common equity Tier 1 capital | 37,417 | 36,524 | 35,065 | 34,583 | 33,371 | 33,020 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 37,417 | 36,524 | 35,065 | 34,583 | 33,371 | 33,020 | RCOA8274 |
| Tier 2 capital | 3,285 | 3,040 | 2,844 | 2,474 | 2,273 | 2,001 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,285 | 3,040 | 2,844 | 2,474 | 2,273 | 2,001 | RCOA5310 |
| Total capital | 40,702 | 39,564 | 37,909 | 37,057 | 35,644 | 35,021 | RCOA3792 |
| Total risk-weighted assets | 358,362 | 349,599 | 339,961 | 314,366 | 297,144 | 275,106 | RCOAA223 |
| Average total assets for the leverage ratio | 449,241 | 443,380 | 441,752 | 419,274 | 403,641 | 385,872 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $23.0M | $3.4M | 14.77% | 0.95% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $67.9M | $14.3M | 21.01% | 3.98% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $123.7M | $74.0M | 59.80% | 20.64% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $1.7M | $2.6M | 150.00% | 0.73% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $3.7M | $5.6M | 150.00% | 1.56% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $227.9M | $227.9M | 100.00% | 63.59% | RC-R Part II, item 4.d, 5.d |
| All other assets | $9.8M | $9.4M | 95.81% | 2.63% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $203K | $2.5M | 1250.00% | 0.71% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $18.8M | $18.7M | 99.52% | 5.21% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $358.4M | ties to item 31 ($358.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $358.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $358.4M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 10.44% | 10.44% | 11.36% | 8.33% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 10.45% | 10.45% | 11.32% | 8.24% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 10.31% | 10.31% | 11.15% | 7.94% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.00% | 11.00% | 11.79% | 8.25% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.23% | 11.23% | 12.00% | 8.27% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.00% | 12.00% | 12.73% | 8.56% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.25% | 12.25% | 13.03% | 8.30% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.32% | 12.32% | 13.00% | 7.72% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.69% | 12.69% | 13.41% | 7.60% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.53% | 13.53% | 14.19% | 7.81% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.54% | 13.54% | 14.16% | 8.34% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.52% | 13.52% | 14.13% | 8.57% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Hometown Bank of Pennsylvania (this bank) | Risk-based | 10.44% | 10.44% | 11.36% | 8.33% | |
| Exchange Bank of Missouri | $453.8M | Risk-based | 11.47% | 11.47% | 12.46% | 9.51% |
| Edison National Bank | $453.7M | Risk-based | 29.49% | 29.49% | 30.74% | 9.03% |
| The Denison State Bank | $453.6M | CBLR | NA | NA | NA | 17.53% |
| Pacific Alliance Bank | $454.4M | CBLR | NA | NA | NA | 13.37% |
| The Lincoln National Bank of Hodgenville | $454.4M | Risk-based | 23.30% | 23.30% | 24.56% | 14.89% |
| Citizens State Bank | $453.3M | Risk-based | 14.01% | 14.01% | 14.82% | 9.58% |
| New Era Bank | $453.1M | CBLR | NA | NA | NA | 13.98% |
| Alliance Bank | $454.8M | CBLR | NA | NA | NA | 12.43% |
| First National Bank | $452.8M | CBLR | NA | NA | NA | 10.31% |
| Peer 25th percentile | 13.37% | 13.37% | 14.23% | 9.58% | ||
| Peer median | 18.65% | 18.65% | 19.69% | 12.43% | ||
| Peer 75th percentile | 24.85% | 24.85% | 26.10% | 13.98% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3594087/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.