Houghton 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%.
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 Equity capital to total assets: 1.27 percentage points higher than in Q1 2026, at 17.16%. Within Iowa, Houghton State Bank is 12th of 114 on CET1 ratio, 19.94% as of Q2 2026. Houghton State Bank reported 19.94% on CET1 ratio for Q2 2026, 4.85 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.94% |
| Tier 1 risk-based capital ratio | 19.94% |
| Total risk-based capital ratio | 21.19% |
| Tier 1 leverage ratio | 15.41% |
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 | $31.4M |
| Tier 1 capital | $31.4M |
| Total risk-based capital | $33.4M |
| Total equity capital | $35.2M |
| Risk-weighted assets | $157.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.16% |
| Tangible equity to tangible assets | 15.08% |
| Equity capital to average assets | 16.85% |
| Internal capital growth rate | 5.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $874K |
| Common stock surplus | $11.9M |
| Retained earnings | $23.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 14.57% | 14.57% | 15.70% | 12.02% | $174.5M |
| Q4 2023 | 13.67% | 13.67% | 14.77% | 11.46% | $186.9M |
| Q1 2024 | 14.08% | 14.08% | 15.17% | 11.55% | $186.9M |
| Q2 2024 | 15.03% | 15.03% | 16.17% | 12.36% | $180.0M |
| Q3 2024 | 15.47% | 15.47% | 16.61% | 12.97% | $179.3M |
| Q4 2024 | 16.62% | 16.62% | 17.81% | 13.22% | $171.9M |
| Q1 2025 | 17.26% | 17.26% | 18.47% | 13.53% | $168.3M |
| Q2 2025 | 17.50% | 17.50% | 18.67% | 14.38% | $169.1M |
| Q3 2025 | 18.06% | 18.06% | 19.26% | 14.99% | $166.3M |
| Q4 2025 | 17.97% | 17.97% | 19.22% | 14.81% | $169.5M |
| Q1 2026 | 19.22% | 19.22% | 20.47% | 14.60% | $160.9M |
| Q2 2026 | 19.94% | 19.94% | 21.19% | 15.41% | $157.4M |
Houghton State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Houghton 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 Houghton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15405) · FFIEC NIC profile (RSSD 528241)