Hometown National Bank: 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 Equity capital to total assets, which rose 0.59 percentage points to 11.02%. Within Illinois, Hometown National Bank is 53rd of 198 on CET1 ratio, 19.25% 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. Hometown National Bank sits 4.18 points higher, at 19.25% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.25% |
| Tier 1 risk-based capital ratio | 19.25% |
| Total risk-based capital ratio | 20.31% |
| Tier 1 leverage ratio | 11.30% |
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 | $35.8M |
| Tier 1 capital | $35.8M |
| Total risk-based capital | $37.7M |
| Total equity capital | $33.9M |
| Risk-weighted assets | $185.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.02% |
| Tangible equity to tangible assets | 11.02% |
| Equity capital to average assets | 10.70% |
| Internal capital growth rate | 7.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $5.0M |
| Retained earnings | $29.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 14.60% | 14.60% | 15.57% | 9.88% | $213.2M |
| Q4 2023 | 15.29% | 15.29% | 16.30% | 10.15% | $208.2M |
| Q1 2024 | 15.93% | 15.93% | 16.90% | 10.57% | $203.6M |
| Q2 2024 | 16.42% | 16.42% | 17.41% | 10.74% | $201.1M |
| Q3 2024 | 16.94% | 16.94% | 17.94% | 10.45% | $199.5M |
| Q4 2024 | 18.52% | 18.52% | 19.58% | 10.71% | $187.1M |
| Q1 2025 | 17.18% | 17.18% | 18.27% | 9.66% | $183.9M |
| Q2 2025 | 17.97% | 17.97% | 19.07% | 10.08% | $180.6M |
| Q3 2025 | 18.80% | 18.80% | 19.92% | 10.28% | $177.9M |
| Q4 2025 | 19.54% | 19.54% | 20.64% | 10.49% | $176.3M |
| Q1 2026 | 19.54% | 19.54% | 20.62% | 10.95% | $180.1M |
| Q2 2026 | 19.25% | 19.25% | 20.31% | 11.30% | $185.9M |
Hometown National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown National Bank, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3691) · FFIEC NIC profile (RSSD 770639)