Horicon 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 biggest quarter-over-quarter change on this page was a small one: Tangible equity to tangible assets edged up 0.25 percentage points between Q1 2026 and Q2 2026, to 9.52%. Horicon Bank has the 9th lowest CET1 ratio of the 85 banks headquartered in Wisconsin, at 10.81% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Horicon Bank sits 2.68 points lower, at 10.81% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.81% |
| Tier 1 risk-based capital ratio | 10.81% |
| Total risk-based capital ratio | 12.06% |
| Tier 1 leverage ratio | 9.72% |
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 | $158.9M |
| Tier 1 capital | $158.9M |
| Total risk-based capital | $177.2M |
| Total equity capital | $170.2M |
| Risk-weighted assets | $1.47B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.29% |
| Tangible equity to tangible assets | 9.52% |
| Equity capital to average assets | 10.33% |
| Internal capital growth rate | 3.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $260K |
| Common stock surplus | $82.5M |
| Retained earnings | $90.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| 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 | 9.98% | 9.98% | 10.85% | 8.80% | $1.30B |
| Q4 2023 | 9.98% | 9.98% | 10.79% | 8.89% | $1.33B |
| Q1 2024 | 10.06% | 10.06% | 10.92% | 8.96% | $1.33B |
| Q2 2024 | 10.03% | 10.03% | 10.91% | 9.01% | $1.35B |
| Q3 2024 | 10.20% | 10.20% | 11.08% | 8.97% | $1.37B |
| Q4 2024 | 10.57% | 10.57% | 11.52% | 8.95% | $1.34B |
| Q1 2025 | 10.45% | 10.45% | 11.70% | 9.23% | $1.34B |
| Q2 2025 | 10.50% | 10.50% | 11.58% | 9.63% | $1.39B |
| Q3 2025 | 10.59% | 10.59% | 11.69% | 9.68% | $1.41B |
| Q4 2025 | 10.75% | 10.75% | 11.90% | 9.67% | $1.43B |
| Q1 2026 | 10.71% | 10.71% | 11.92% | 9.81% | $1.46B |
| Q2 2026 | 10.81% | 10.81% | 12.06% | 9.72% | $1.47B |
Horicon Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Horicon 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 Horicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11236) · FFIEC NIC profile (RSSD 528849)