Hoyne Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 27.26% +18.26 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $127.4M | 127,377 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $467.2M | 467,219 | RCOAA224 |
| Recomputed ratio | 27.26% | numerator / denominator | |
| Filed ratio | 27.26% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +18.26 pp | $85.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP742 |
| Retained earnings | 134,341 | 133,862 | 133,714 | 93,909 | 93,603 | 93,251 | RCOAKW00 |
| Accumulated other comprehensive income | (11,283) | (11,143) | (10,886) | (11,603) | (12,779) | (13,622) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 123,058 | 122,719 | 122,828 | 82,306 | 80,824 | 79,629 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,319 | 10,390 | 3,963 | 7,544 | 8,674 | 9,471 | P859 - P840 |
| Common equity Tier 1 capital | 127,377 | 133,109 | 126,791 | 89,850 | 89,498 | 89,100 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 127,377 | 133,109 | 126,791 | 89,850 | 89,498 | 89,100 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 467,219 | 478,588 | 511,432 | 444,183 | 447,716 | 470,192 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 27.26% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 27.81% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 24.79% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 20.23% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 19.99% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 18.95% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 19.86% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 20.61% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 20.63% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 20.37% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 20.38% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 20.72% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Hoyne Savings Bank (this bank) | CBLR | NA | NA | NA | 27.26% | |
| FNB Community Bank | $480.2M | Risk-based | 16.09% | 16.09% | 17.35% | 10.54% |
| Iowa State Bank | $480.5M | CBLR | NA | NA | NA | 15.92% |
| Home State Bank | $480.7M | Risk-based | 10.04% | 10.04% | 11.31% | 8.91% |
| Citizens Bank and Trust Company | $480.8M | Risk-based | 13.97% | 13.97% | 14.94% | 11.93% |
| American Bank and Trust Company, N.A. | $480.9M | Risk-based | 14.18% | 14.18% | 15.43% | 10.06% |
| F & C Bank | $481.0M | CBLR | NA | NA | NA | 11.01% |
| Seamens Bank | $478.5M | CBLR | NA | NA | NA | 12.57% |
| FSNB, N.A. | $478.3M | CBLR | NA | NA | NA | 17.51% |
| Sterling Federal Bank, Federal Savings Bank | $481.6M | Risk-based | 10.61% | 10.61% | 11.80% | 7.67% |
| First State Bank | $478.1M | Risk-based | 13.39% | 13.39% | 14.64% | 9.48% |
| Peer 25th percentile | 11.30% | 11.30% | 12.51% | 9.62% | ||
| Peer median | 13.68% | 13.68% | 14.79% | 10.77% | ||
| Peer 75th percentile | 14.13% | 14.13% | 15.31% | 12.41% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/447070/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.