The Hometown Savings 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 Accumulated other comprehensive income, which rose 4.0% to -$13.9M. The Hometown Savings Bank ranks 27th of 50 Indiana banks on CET1 ratio, in the lower half at 12.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Hometown Savings Bank sits 2.14 points lower, at 12.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.93% |
| Tier 1 risk-based capital ratio | 12.93% |
| Total risk-based capital ratio | 14.10% |
| Tier 1 leverage ratio | 8.29% |
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 | $39.0M |
| Tier 1 capital | $39.0M |
| Total risk-based capital | $42.5M |
| Total equity capital | $28.2M |
| Risk-weighted assets | $301.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.20% |
| Tangible equity to tangible assets | 6.11% |
| Equity capital to average assets | 5.97% |
| Internal capital growth rate | 3.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $12.0M |
| Retained earnings | $30.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.9M |
| 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% | 14.60% | 7.87% | $268.9M |
| Q4 2023 | 14.08% | 14.08% | 15.33% | 8.71% | $289.3M |
| Q1 2024 | 13.78% | 13.78% | 14.94% | 8.60% | $295.1M |
| Q2 2024 | 13.89% | 13.89% | 15.07% | 8.37% | $290.4M |
| Q3 2024 | 13.68% | 13.68% | 14.81% | 8.36% | $292.9M |
| Q4 2024 | 12.95% | 12.95% | 14.06% | 8.16% | $301.8M |
| Q1 2025 | 12.86% | 12.86% | 13.98% | 7.87% | $301.0M |
| Q2 2025 | 12.78% | 12.78% | 13.90% | 8.04% | $302.3M |
| Q3 2025 | 13.02% | 13.02% | 14.17% | 8.14% | $298.2M |
| Q4 2025 | 12.84% | 12.84% | 13.96% | 8.21% | $302.1M |
| Q1 2026 | 12.80% | 12.80% | 13.93% | 8.24% | $303.1M |
| Q2 2026 | 12.93% | 12.93% | 14.10% | 8.29% | $301.3M |
The Hometown Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hometown Savings 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 The Hometown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17736) · FFIEC NIC profile (RSSD 697147)