The Hometown Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.10% (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: 6.10% (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 12.93% +6.43 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 | $39.0M | 38,970 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $301.3M | 301,293 | RCOAA223 |
| Recomputed ratio | 12.93% | numerator / denominator | |
| Filed ratio | 12.93% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.43 pp | $19.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.93% +4.93 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 | $39.0M | 38,970 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $301.3M | 301,293 | RCOAA223 |
| Recomputed ratio | 12.93% | numerator / denominator | |
| Filed ratio | 12.93% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.93 pp | $14.9M | capital that could be lost first |
Total risk-based capital ratio 14.10% +4.10 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 | $42.5M | 42,486 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $301.3M | 301,293 | RCOAA223 |
| Recomputed ratio | 14.10% | numerator / denominator | |
| Filed ratio | 14.10% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.10 pp | $12.4M | capital that could be lost first |
Tier 1 leverage ratio 8.29% +3.29 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 | $39.0M | 38,970 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $470.2M | 470,190 | RCOAA224 |
| Recomputed ratio | 8.29% | numerator / denominator | |
| Filed ratio | 8.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.29 pp | $15.5M | 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 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | RCOAP742 |
| Retained earnings | 30,117 | 29,884 | 29,802 | 29,579 | 29,455 | 29,534 | RCOAKW00 |
| Accumulated other comprehensive income | (13,881) | (14,453) | (13,589) | (14,973) | (16,737) | (17,203) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 28,236 | 27,431 | 28,213 | 26,606 | 24,718 | 24,331 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,734 | 11,363 | 10,558 | 12,205 | 13,919 | 14,375 | P859 - P840 |
| Common equity Tier 1 capital | 38,970 | 38,794 | 38,771 | 38,811 | 38,637 | 38,706 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 38,970 | 38,794 | 38,771 | 38,811 | 38,637 | 38,706 | RCOA8274 |
| Tier 2 capital | 3,516 | 3,435 | 3,403 | 3,436 | 3,399 | 3,377 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,516 | 3,435 | 3,403 | 3,436 | 3,399 | 3,377 | RCOA5310 |
| Total capital | 42,486 | 42,229 | 42,174 | 42,247 | 42,036 | 42,083 | RCOA3792 |
| Total risk-weighted assets | 301,293 | 303,106 | 302,060 | 298,162 | 302,343 | 300,955 | RCOAA223 |
| Average total assets for the leverage ratio | 470,190 | 471,032 | 472,023 | 476,607 | 480,278 | 491,563 | 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 | $18.4M | $1.5M | 8.37% | 0.51% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $131.4M | $25.0M | 19.05% | 8.31% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.4M | $270K | 20.00% | 0.09% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $178.9M | $105.9M | 59.20% | 35.14% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $78K | $117K | 150.00% | 0.04% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $115.0M | $115.1M | 100.09% | 38.20% | RC-R Part II, item 4.d, 5.d |
| All other assets | $30.1M | $30.4M | 101.05% | 10.08% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $269K | $3.4M | 1250.00% | 1.12% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $19.0M | $19.0M | 100.00% | 6.32% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $587K | NA | 0.19% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $300.7M | ties to item 31 ($300.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $301.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $301.3M | 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 | 12.93% | 12.93% | 14.10% | 8.29% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.80% | 12.80% | 13.93% | 8.24% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.84% | 12.84% | 13.96% | 8.21% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.02% | 13.02% | 14.17% | 8.14% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.78% | 12.78% | 13.90% | 8.04% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.86% | 12.86% | 13.98% | 7.87% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.95% | 12.95% | 14.06% | 8.16% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.68% | 13.68% | 14.81% | 8.36% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.89% | 13.89% | 15.07% | 8.37% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.78% | 13.78% | 14.94% | 8.60% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.08% | 14.08% | 15.33% | 8.71% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.35% | 13.35% | 14.60% | 7.87% | 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 |
|---|---|---|---|---|---|---|
| The Hometown Savings Bank (this bank) | Risk-based | 12.93% | 12.93% | 14.10% | 8.29% | |
| People First Bank | $456.1M | CBLR | NA | NA | NA | 10.90% |
| The Dolores State Bank | $456.3M | Risk-based | 20.94% | 20.94% | 22.14% | 15.64% |
| Alliance Bank | $454.8M | CBLR | NA | NA | NA | 12.43% |
| Trinity Capital Bank of Texas | $456.6M | CBLR | NA | NA | NA | 9.56% |
| Cullman Savings Bank | $456.7M | CBLR | NA | NA | NA | 18.64% |
| The Lincoln National Bank of Hodgenville | $454.4M | Risk-based | 23.30% | 23.30% | 24.56% | 14.89% |
| Pacific Alliance Bank | $454.4M | CBLR | NA | NA | NA | 13.37% |
| Guaranty Bank & Trust Company of Delhi | $457.4M | Risk-based | 14.93% | 14.93% | 15.61% | 8.50% |
| Peer 25th percentile | 17.94% | 17.94% | 18.87% | 10.57% | ||
| Peer median | 20.94% | 20.94% | 22.14% | 12.90% | ||
| Peer 75th percentile | 22.12% | 22.12% | 23.35% | 15.07% | ||
| 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/697147/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.