Honor 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Risk-weighted assets: 9.1% higher than in Q1 2026, at $365.2M. Honor Bank ranks 36th of 43 Michigan banks on CET1 ratio, in the lower half at 11.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Honor Bank sits 3.73 points lower, at 11.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.35% |
| Tier 1 risk-based capital ratio | 11.35% |
| Total risk-based capital ratio | 12.60% |
| Tier 1 leverage ratio | 9.77% |
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 | $41.5M |
| Tier 1 capital | $41.5M |
| Total risk-based capital | $46.0M |
| Total equity capital | $41.5M |
| Risk-weighted assets | $365.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.36% |
| Tangible equity to tangible assets | 9.36% |
| Equity capital to average assets | 9.77% |
| Internal capital growth rate | 3.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $19.2M |
| Retained earnings | $21.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 11.49% | 11.49% | 12.74% | 8.79% | $297.1M |
| Q4 2023 | 11.58% | 11.58% | 12.83% | 9.13% | $299.6M |
| Q1 2024 | 11.41% | 11.41% | 12.66% | 9.16% | $307.3M |
| Q2 2024 | 11.04% | 11.04% | 12.30% | 9.13% | $322.5M |
| Q3 2024 | 11.15% | 11.15% | 12.40% | 8.84% | $328.5M |
| Q4 2024 | 11.41% | 11.41% | 12.66% | 8.96% | $326.6M |
| Q1 2025 | 11.69% | 11.69% | 12.94% | 9.34% | $329.1M |
| Q2 2025 | 11.75% | 11.75% | 13.01% | 9.51% | $336.0M |
| Q3 2025 | 11.84% | 11.84% | 13.09% | 9.49% | $342.1M |
| Q4 2025 | 11.90% | 11.90% | 13.15% | 9.31% | $337.1M |
| Q1 2026 | 12.27% | 12.27% | 13.53% | 9.85% | $334.8M |
| Q2 2026 | 11.35% | 11.35% | 12.60% | 9.77% | $365.2M |
Honor Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Honor 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 Honor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8165) · FFIEC NIC profile (RSSD 815147)