HomeTrust Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.84% (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: 6.84% (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 13.74% +7.24 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 | $549.3M | 549,253 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.00B | 3,996,788 | RCOAA223 |
| Recomputed ratio | 13.74% | numerator / denominator | |
| Filed ratio | 13.74% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.24 pp | $289.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.74% +5.74 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 | $549.3M | 549,253 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.00B | 3,996,788 | RCOAA223 |
| Recomputed ratio | 13.74% | numerator / denominator | |
| Filed ratio | 13.74% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.74 pp | $229.5M | capital that could be lost first |
Total risk-based capital ratio 14.84% +4.84 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 | $593.0M | 592,987 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.00B | 3,996,788 | RCOAA223 |
| Recomputed ratio | 14.84% | numerator / denominator | |
| Filed ratio | 14.84% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.84 pp | $193.3M | capital that could be lost first |
Tier 1 leverage ratio 12.91% +7.91 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 | $549.3M | 549,253 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $4.25B | 4,254,675 | RCOAA224 |
| Recomputed ratio | 12.91% | numerator / denominator | |
| Filed ratio | 12.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.91 pp | $336.5M | 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 | 337,907 | 337,242 | 336,621 | 336,023 | 335,446 | 334,935 | RCOAP742 |
| Retained earnings | 249,683 | 252,940 | 258,382 | 249,466 | 240,183 | 230,162 | RCOAKW00 |
| Accumulated other comprehensive income | (438) | (47) | 575 | 325 | (277) | (600) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 587,152 | 590,135 | 595,578 | 585,814 | 575,352 | 564,497 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (37,899) | (38,523) | (39,771) | (39,837) | (39,552) | (39,545) | P859 - P840 |
| Common equity Tier 1 capital | 549,253 | 551,612 | 555,807 | 545,977 | 535,800 | 524,952 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 549,253 | 551,612 | 555,807 | 545,977 | 535,800 | 524,952 | RCOA8274 |
| Tier 2 capital | 43,734 | 44,652 | 46,099 | 47,151 | 47,944 | 48,629 | RCOA5311 |
| Allowance includable in Tier 2 capital | 43,734 | 44,652 | 46,099 | 47,151 | 47,944 | 48,629 | RCOA5310 |
| Total capital | 592,987 | 596,264 | 601,906 | 593,128 | 583,744 | 573,581 | RCOA3792 |
| Total risk-weighted assets | 3,996,788 | 3,915,844 | 4,053,935 | 4,098,445 | 4,114,418 | 4,044,292 | RCOAA223 |
| Average total assets for the leverage ratio | 4,254,675 | 4,344,392 | 4,394,866 | 4,389,435 | 4,325,385 | 4,386,706 | 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 | $283.0M | $16.2M | 5.71% | 0.40% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $146.4M | $22.7M | 15.49% | 0.57% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $724.0M | $404.4M | 55.86% | 10.12% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $36.8M | $55.3M | 150.00% | 1.38% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $43.8M | $65.6M | 150.00% | 1.64% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.94B | $2.90B | 98.67% | 72.54% | RC-R Part II, item 4.d, 5.d |
| All other assets | $260.5M | $251.8M | 96.66% | 6.30% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $309.9M | $274.1M | 88.43% | 6.86% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $7.3M | NA | 0.18% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.99B | ties to item 31 ($3.99B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.00B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.00B | 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 | 13.74% | 13.74% | 14.84% | 12.91% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.09% | 14.09% | 15.23% | 12.70% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.71% | 13.71% | 14.85% | 12.65% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.32% | 13.32% | 14.47% | 12.44% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.02% | 13.02% | 14.19% | 12.39% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.98% | 12.98% | 14.18% | 11.97% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.74% | 12.74% | 13.84% | 11.68% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.39% | 12.39% | 13.55% | 11.54% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.09% | 12.09% | 13.26% | 11.43% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.13% | 12.13% | 13.27% | 11.28% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.83% | 11.83% | 12.90% | 11.08% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.42% | 11.42% | 12.47% | 10.71% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| HomeTrust Bank (this bank) | Risk-based | 13.74% | 13.74% | 14.84% | 12.91% | |
| Capital City Bank | $4.45B | Risk-based | 18.18% | 18.18% | 19.43% | 10.29% |
| ChoiceOne Bank | $4.45B | Risk-based | 11.81% | 11.81% | 12.92% | 9.30% |
| American Business Bank | $4.42B | Risk-based | 12.35% | 12.35% | 13.24% | 11.01% |
| Arrow Bank N.A. | $4.46B | Risk-based | 12.71% | 12.71% | 13.87% | 9.33% |
| First Business Bank | $4.41B | Risk-based | 11.17% | 11.17% | 12.18% | 10.37% |
| Sunwest Bank | $4.41B | Risk-based | 10.40% | 10.40% | 11.66% | 9.71% |
| Metro City Bank | $4.47B | Risk-based | 17.14% | 17.14% | 18.04% | 11.08% |
| First Federal Bank | $4.49B | Risk-based | 20.56% | 20.56% | 21.06% | 10.83% |
| Texas Exchange Bank | $4.49B | Risk-based | 30.06% | 30.06% | 30.82% | 12.44% |
| First State Community Bank | $4.51B | Risk-based | 14.35% | 14.35% | 15.43% | 11.68% |
| Peer 25th percentile | 11.94% | 11.94% | 13.00% | 9.86% | ||
| Peer median | 13.53% | 13.53% | 14.65% | 10.60% | ||
| Peer 75th percentile | 17.92% | 17.92% | 19.08% | 11.06% | ||
| This bank's percentile | 50 | 50 | 50 | 100 |
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/212577/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.