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Capital conservation buffer: 12.31% (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: 12.31% (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 19.25% +12.75 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$35.8M35,776RCOAP859
Divided by total risk-weighted assets$185.9M185,874RCOAA223
Recomputed ratio19.25%numerator / denominator
Filed ratio19.25%RCOAP793
Regulatory minimum4.50%
Minimum plus conservation buffer7.00%
Well-capitalized level6.50%
Cushion over that level+12.75 pp$23.7Mcapital that could be lost first
Tier 1 risk-based capital ratio 19.25% +11.25 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$35.8M35,776RCOA8274
Divided by total risk-weighted assets$185.9M185,874RCOAA223
Recomputed ratio19.25%numerator / denominator
Filed ratio19.25%RCOA7206
Regulatory minimum6.00%
Minimum plus conservation buffer8.50%
Well-capitalized level8.00%
Cushion over that level+11.25 pp$20.9Mcapital that could be lost first
Total risk-based capital ratio 20.31% +10.31 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$37.7M37,744RCOA3792
Divided by total risk-weighted assets$185.9M185,874RCOAA223
Recomputed ratio20.31%numerator / denominator
Filed ratio20.31%RCOA7205
Regulatory minimum8.00%
Minimum plus conservation buffer10.50%
Well-capitalized level10.00%
Cushion over that level+10.31 pp$19.2Mcapital that could be lost first
Tier 1 leverage ratio 11.30% +6.30 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$35.8M35,776RCOA8274
Divided by average total assets for the leverage ratio$316.5M316,479RCOAA224
Recomputed ratio11.30%numerator / denominator
Filed ratio11.30%RCOA7204
Regulatory minimum4.00%
Well-capitalized level5.00%
Cushion over that level+6.30 pp$20.0Mcapital 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.

Line2Q261Q264Q253Q252Q251Q25Source
Common stock plus related surplus, net of treasury stock6,2006,2006,2006,2006,2006,200RCOAP742
Retained earnings29,57628,98628,23627,24926,25925,402RCOAKW00
Accumulated other comprehensive income(1,923)(1,850)(1,557)(1,941)(2,422)(2,835)RCOAB530
Common equity Tier 1 minority interest000000RCOAP839
Common equity Tier 1 capital before adjustments and deductions33,85333,33632,87931,50830,03728,767RCOAP840
Adjustments and deductions from common equity Tier 11,9231,8501,5571,9412,4222,835P859 - P840
Common equity Tier 1 capital35,77635,18634,43633,44932,45931,602RCOAP859
Additional Tier 1 capital000000RCOAP865
Tier 1 capital35,77635,18634,43633,44932,45931,602RCOA8274
Tier 2 capital1,9681,9581,9511,9921,9871,997RCOA5311
Allowance includable in Tier 2 capital1,9681,9581,9511,9921,9871,997RCOA5310
Total capital37,74437,14436,38735,44134,44633,599RCOA3792
Total risk-weighted assets185,874180,107176,268177,880180,602183,919RCOAA223
Average total assets for the leverage ratio316,479321,279328,335325,479322,026327,140RCOAA224

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.

CategoryExposureRisk-weightedAvg weightShare of RWASource
Cash and balances due$30.9M$931K3.01% 0.50%RC-R Part II, item 1
Securities (HTM and AFS)$120.6M$21.3M17.64% 11.44%RC-R Part II, item 2.a, 2.b
Loans: residential mortgage$31.0M$18.1M58.41% 9.75%RC-R Part II, item 4.a, 5.a
Loans: past due and nonaccrual$193K$290K150.00% 0.16%RC-R Part II, item 4.c, 5.c
Loans: all other$122.0M$122.0M100.00% 65.65%RC-R Part II, item 4.d, 5.d
All other assets$7.1M$5.7M80.42% 3.07%RC-R Part II, item 8
Off-balance-sheet commitments and letters of credit$13.8M$13.8M100.00% 7.42%RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b
Market risk and other approachesNA$3.7MNA 2.00%RC-R Part II, item 27

How the categories add up to total risk-weighted assets

Categories above, excluding market risk and other approaches$182.2Mties to item 31 ($182.2M)
Risk-weighted assets before deductions$185.9MRCONB704
Less: excess allowance for credit losses$0A222
Less: allocated transfer risk reserve$03128
Total risk-weighted assets$185.9MRCONG641, ties

12 quarters against the asset-tier median

Common equity Tier 1 ratio: this bank (solid) and the asset-tier median (dashed)
13.7%17.0%20.3% 3Q23: 14.60%4Q23: 15.29%1Q24: 15.93%2Q24: 16.42%3Q24: 16.94%4Q24: 18.52%1Q25: 17.18%2Q25: 17.97%3Q25: 18.80%4Q25: 19.54%1Q26: 19.54%2Q26: 19.25% 3Q231Q252Q26
Tier 1 leverage ratio: this bank (solid) and the asset-tier median (dashed)
9.4%10.5%11.6% 3Q23: 9.88%4Q23: 10.15%1Q24: 10.57%2Q24: 10.74%3Q24: 10.45%4Q24: 10.71%1Q25: 9.66%2Q25: 10.08%3Q25: 10.28%4Q25: 10.49%1Q26: 10.95%2Q26: 11.30% 3Q231Q252Q26
QuarterFrameworkCET1Tier 1Total capitalLeverageTier median CET1Tier median Tier 1Tier median Total capitalTier median Leverage
2Q26Risk-based19.25%19.25%20.31%11.30%15.12%15.13%16.26%10.99%
1Q26Risk-based19.54%19.54%20.62%10.95%14.98%15.01%16.09%10.86%
4Q25Risk-based19.54%19.54%20.64%10.49%14.89%14.90%16.02%10.79%
3Q25Risk-based18.80%18.80%19.92%10.28%14.82%14.86%15.98%10.87%
2Q25Risk-based17.97%17.97%19.07%10.08%14.75%14.79%15.93%10.80%
1Q25Risk-based17.18%17.18%18.27%9.66%14.77%14.82%15.94%10.70%
4Q24Risk-based18.52%18.52%19.58%10.71%14.67%14.74%15.75%10.61%
3Q24Risk-based16.94%16.94%17.94%10.45%14.69%14.72%15.80%10.69%
2Q24Risk-based16.42%16.42%17.41%10.74%14.55%14.57%15.69%10.61%
1Q24Risk-based15.93%15.93%16.90%10.57%14.58%14.60%15.70%10.54%
4Q23Risk-based15.29%15.29%16.30%10.15%14.42%14.45%15.56%10.55%
3Q23Risk-based14.60%14.60%15.57%9.88%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

BankAssetsFrameworkCET1Tier 1Total capitalLeverage
Hometown National Bank (this bank)Risk-based19.25%19.25%20.31%11.30%
Community First Banking Company$307.3MCBLRNANANA10.31%
Farmers and Merchants Bank$307.6MCBLRNANANA11.56%
Sundown State Bank$307.7MCBLRNANANA11.63%
Dearborn Federal Savings Bank$306.6MCBLRNANANA25.86%
American Community Bank$306.5MCBLRNANANA13.37%
Prinsbank$308.3MRisk-based17.59%17.59%18.89%11.99%
Farmers and Merchants Bank$306.1MCBLRNANANA9.05%
Craft Bank$305.9MRisk-based14.40%14.40%15.55%13.81%
Bank of Montana$308.6MRisk-based35.70%35.70%36.22%8.89%
Peer 25th percentile16.00%16.00%17.22%10.31%
Peer median17.59%17.59%18.89%11.63%
Peer 75th percentile26.64%26.64%27.55%13.37%
This bank's percentile67676733

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/770639/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.