Hoosier Heartland State 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%.
Accumulated other comprehensive income fell 3.2% from Q1 2026 to Q2 2026, ending at -$5.5M against -$5.3M. It was the largest change among the key lines on this page. Hoosier Heartland State Bank has the 2nd lowest CET1 ratio of the 50 banks headquartered in Indiana, at 10.35% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Hoosier Heartland State Bank sits 4.72 points lower, at 10.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.35% |
| Tier 1 risk-based capital ratio | 10.35% |
| Total risk-based capital ratio | 11.47% |
| Tier 1 leverage ratio | 8.70% |
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 | $30.8M |
| Tier 1 capital | $30.8M |
| Total risk-based capital | $34.2M |
| Total equity capital | $25.3M |
| Risk-weighted assets | $297.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.10% |
| Tangible equity to tangible assets | 7.10% |
| Equity capital to average assets | 7.14% |
| Internal capital growth rate | 6.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $101K |
| Common stock surplus | $15.2M |
| Retained earnings | $15.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | — | — | — | 9.01% | — |
| Q4 2023 | 10.66% | 10.66% | 11.69% | 8.29% | $255.9M |
| Q1 2024 | 10.86% | 10.86% | 11.92% | 8.41% | $256.2M |
| Q2 2024 | 10.63% | 10.63% | 11.70% | 8.36% | $262.2M |
| Q3 2024 | 10.70% | 10.70% | 11.77% | 8.33% | $262.5M |
| Q4 2024 | 10.50% | 10.50% | 11.58% | 8.34% | $268.0M |
| Q1 2025 | 10.72% | 10.72% | 11.82% | 8.52% | $267.1M |
| Q2 2025 | 10.62% | 10.62% | 11.72% | 8.52% | $272.7M |
| Q3 2025 | 10.30% | 10.30% | 11.37% | 8.53% | $285.3M |
| Q4 2025 | 9.98% | 9.98% | 11.05% | 8.43% | $296.5M |
| Q1 2026 | 10.37% | 10.37% | 11.48% | 8.57% | $293.2M |
| Q2 2026 | 10.35% | 10.35% | 11.47% | 8.70% | $297.9M |
Hoosier Heartland State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hoosier Heartland State 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 Hoosier Heartland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15566) · FFIEC NIC profile (RSSD 157744)