Huntingdon 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%.
Total risk-based capital ratio dropped 2.97 percentage points in Q2 2026, from 51.43% to 48.45%. It was the largest change from Q1 2026 among the key lines here. Among 72 Pennsylvania banks, Huntingdon Savings Bank sits 2nd from the top on CET1 ratio, 47.35% as of Q2 2026. Huntingdon Savings Bank's CET1 ratio of 47.35% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 27.78 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 47.35% |
| Tier 1 risk-based capital ratio | 47.35% |
| Total risk-based capital ratio | 48.45% |
| Tier 1 leverage ratio | 22.67% |
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 | $4.0M |
| Tier 1 capital | $4.0M |
| Total risk-based capital | $4.1M |
| Total equity capital | $4.0M |
| Risk-weighted assets | $8.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.49% |
| Tangible equity to tangible assets | 22.49% |
| Equity capital to average assets | 22.67% |
| Internal capital growth rate | 0.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $3.2M |
| Retained earnings | $830K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 49.11% | 49.11% | 50.29% | 24.14% | $8.0M |
| Q4 2023 | 48.10% | 48.10% | 49.25% | 23.91% | $8.2M |
| Q1 2024 | 47.56% | 47.56% | 48.69% | 23.22% | $8.3M |
| Q2 2024 | 48.16% | 48.16% | 49.30% | 23.39% | $8.2M |
| Q3 2024 | 48.99% | 48.99% | 50.16% | 22.82% | $8.1M |
| Q4 2024 | 47.83% | 47.83% | 48.97% | 22.57% | $8.3M |
| Q1 2025 | 48.52% | 48.52% | 49.67% | 22.44% | $8.2M |
| Q2 2025 | 48.53% | 48.53% | 49.68% | 22.20% | $8.2M |
| Q3 2025 | 48.00% | 48.00% | 49.14% | 22.42% | $8.3M |
| Q4 2025 | 48.92% | 48.92% | 50.07% | 22.75% | $8.2M |
| Q1 2026 | 50.25% | 50.25% | 51.43% | 22.92% | $8.0M |
| Q2 2026 | 47.35% | 47.35% | 48.45% | 22.67% | $8.5M |
Huntingdon Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Huntingdon 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 Huntingdon Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30031) · FFIEC NIC profile (RSSD 646471)