Homewood Federal 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.52 percentage points in Q2 2026 to 25.69%, the biggest move on this page. Homewood Federal Savings Bank has the highest CET1 ratio of the 20 banks headquartered in Maryland, 38.05% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, Homewood Federal Savings Bank reported 38.05% on CET1 ratio in Q2 2026, 18.49 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 38.05% |
| Tier 1 risk-based capital ratio | 38.05% |
| Total risk-based capital ratio | 39.15% |
| Tier 1 leverage ratio | 26.12% |
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 | $17.3M |
| Tier 1 capital | $17.3M |
| Total risk-based capital | $17.8M |
| Total equity capital | $17.3M |
| Risk-weighted assets | $45.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 25.69% |
| Tangible equity to tangible assets | 25.69% |
| Equity capital to average assets | 26.11% |
| Internal capital growth rate | 2.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $17.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4K |
| 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 | 44.51% | 44.51% | 45.76% | 27.20% | $37.2M |
| Q4 2023 | 44.90% | 44.90% | 46.15% | 27.64% | $36.9M |
| Q1 2024 | 45.04% | 45.04% | 46.25% | 26.51% | $36.9M |
| Q2 2024 | 44.47% | 44.47% | 45.64% | 25.96% | $37.4M |
| Q3 2024 | 42.84% | 42.84% | 44.00% | 25.20% | $39.0M |
| Q4 2024 | 41.64% | 41.64% | 42.73% | 25.46% | $40.6M |
| Q1 2025 | 40.35% | 40.35% | 41.40% | 25.75% | $42.0M |
| Q2 2025 | 39.49% | 39.49% | 40.56% | 25.74% | $43.1M |
| Q3 2025 | 38.80% | 38.80% | 39.82% | 26.06% | $44.2M |
| Q4 2025 | 38.22% | 38.22% | 39.26% | 25.54% | $44.9M |
| Q1 2026 | 38.32% | 38.32% | 39.43% | 26.00% | $44.8M |
| Q2 2026 | 38.05% | 38.05% | 39.15% | 26.12% | $45.4M |
Homewood Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Homewood Federal 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 Homewood Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31267) · FFIEC NIC profile (RSSD 359472)