The St. Henry 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 0.57 percentage points to 10.84%.
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 | 13.61% |
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 | $59.6M |
| Tier 1 capital | $59.6M |
| Total risk-based capital | — |
| Total equity capital | $47.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.91% |
| Tangible equity to tangible assets | 10.91% |
| Equity capital to average assets | 10.84% |
| Internal capital growth rate | -14.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $101K |
| Common stock surplus | $1.0M |
| Retained earnings | $58.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.1M |
| 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 | 14.03% | 8.36% | 8.36% |
| Q4 2023 | 14.21% | 9.60% | 9.60% |
| Q1 2024 | 14.37% | 10.07% | 10.07% |
| Q2 2024 | 13.87% | 9.84% | 9.84% |
| Q3 2024 | 13.72% | 10.13% | 10.13% |
| Q4 2024 | 12.85% | 8.76% | 8.76% |
| Q1 2025 | 13.13% | 9.22% | 9.22% |
| Q2 2025 | 12.16% | 8.67% | 8.67% |
| Q3 2025 | 11.90% | 9.07% | 9.07% |
| Q4 2025 | 11.77% | 8.97% | 8.97% |
| Q1 2026 | 12.96% | 10.87% | 10.87% |
| Q2 2026 | 13.61% | 10.91% | 10.91% |
The St. Henry Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The St. Henry 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 The St. Henry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9871) · FFIEC NIC profile (RSSD 568126)