Hoyne 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.69 percentage points to 26.14%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 27.26% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $127.4M |
| Tier 1 capital | $127.4M |
| Total risk-based capital | — |
| Total equity capital | $123.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 25.64% |
| Tangible equity to tangible assets | 25.63% |
| Equity capital to average assets | 26.14% |
| Internal capital growth rate | 1.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $134.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 20.72% | 15.63% | 15.52% |
| Q4 2023 | 20.38% | 17.03% | 16.94% |
| Q1 2024 | 20.37% | 17.41% | 17.32% |
| Q2 2024 | 20.63% | 17.29% | 17.21% |
| Q3 2024 | 20.61% | 18.06% | 17.99% |
| Q4 2024 | 19.86% | 17.16% | 17.10% |
| Q1 2025 | 18.95% | 17.11% | 17.06% |
| Q2 2025 | 19.99% | 17.83% | 17.79% |
| Q3 2025 | 20.23% | 18.10% | 18.07% |
| Q4 2025 | 24.79% | 25.07% | 25.05% |
| Q1 2026 | 27.81% | 25.69% | 25.67% |
| Q2 2026 | 27.26% | 25.64% | 25.63% |
Hoyne Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hoyne 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 Hoyne Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28747) · FFIEC NIC profile (RSSD 447070)