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REGULATORY CAPITAL REQUIREMENTS (Tables) | 12 Months Ended
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Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] |
Schedule of compliance with regulatory capital requirements under banking regulations | The following table presents the capital and capital ratios of the Company (on a consolidated basis) and the Bank (on a stand-alone basis) as of the respective dates and as compared to the respective regulatory requirements applicable to them:
| At December 31, 2024
| Actual |  | For Minimum Capital Adequacy Purposes |  | To Be Categorized As “Well Capitalized” Under Prompt Corrective Action Provisions
(dollars in thousands) | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
HomeStreet, Inc. |  |  |  |  |  |  |  |  |  |  |
Tier 1 leverage capital (to average assets) (1) | $ | 537,057 |  |  | 5.77 | % |  | $ | 372,319 |  |  | 4.0 | % |  | NA |  | NA
Common equity tier 1 capital (to risk-weighted assets) | 477,057 |  |  | 8.62 | % |  | 249,109 |  |  | 4.5 | % |  | NA |  | NA
Tier 1 risk-based capital (to risk-weighted assets) | 537,057 |  |  | 9.70 | % |  | 332,145 |  |  | 6.0 | % |  | NA |  | NA
Total risk-based capital (to risk-weighted assets) | 677,225 |  |  | 12.23 | % |  | 442,860 |  |  | 8.0 | % |  | NA |  | NA
HomeStreet Bank |  |  |  |  |  |  |  |  |  |  |
Tier 1 leverage capital (to average assets) | $ | 678,869 |  |  | 7.30 | % |  | $ | 372,132 |  |  | 4.0 | % |  | $ | 465,165 |  |  | 5.0 | %
Common equity tier 1 capital (to risk-weighted assets) | 678,869 |  |  | 12.27 | % |  | 249,000 |  |  | 4.5 | % |  | 359,667 |  |  | 6.5 | %
Tier 1 risk-based capital (to risk-weighted assets) | 678,869 |  |  | 12.27 | % |  | 332,001 |  |  | 6.0 | % |  | 442,667 |  |  | 8.0 | %
Total risk-based capital (to risk-weighted assets) | 720,498 |  |  | 13.02 | % |  | 442,667 |  |  | 8.0 | % |  | 553,334 |  |  | 10.0 | %
| At December 31, 2023
| Actual |  | For Minimum Capital Adequacy Purposes |  | To Be Categorized As “Well Capitalized” Under Prompt Corrective Action Provisions
(dollars in thousands) | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
HomeStreet, Inc. |  |  |  |  |  |  |  |  |  |  |
Tier 1 leverage capital (to average assets) | $ | 675,440 |  |  | 7.04 | % |  | $ | 383,696 |  |  | 4.0 | % |  | NA |  | NA
Common equity tier 1 capital (to risk-weighted assets) | 615,440 |  |  | 9.66 | % |  | 286,709 |  |  | 4.5 | % |  | NA |  | NA
Tier 1 risk-based capital (to risk-weighted assets) | 675,440 |  |  | 10.60 | % |  | 382,279 |  |  | 6.0 | % |  | NA |  | NA
Total risk-based capital (to risk-weighted assets) | 818,075 |  |  | 12.84 | % |  | 509,705 |  |  | 8.0 | % |  | NA |  | NA
HomeStreet Bank |  |  |  |  |  |  |  |  |  |  |
Tier 1 leverage capital (to average assets) | $ | 814,719 |  |  | 8.50 | % |  | $ | 383,482 |  |  | 4.0 | % |  | $ | 479,352 |  |  | 5.0 | %
Common equity tier 1 capital (to risk-weighted assets) | 814,719 |  |  | 12.79 | % |  | 286,569 |  |  | 4.5 | % |  | 413,933 |  |  | 6.5 | %
Tier 1 risk-based capital (to risk-weighted assets) | 814,719 |  |  | 12.79 | % |  | 382,092 |  |  | 6.0 | % |  | 509,456 |  |  | 8.0 | %
Total risk-based capital (to risk-weighted assets) | 858,992 |  |  | 13.49 | % |  | 509,456 |  |  | 8.0 | % |  | 636,820 |  |  | 10.0 | %
The following table sets forth the minimum capital ratios plus the applicable increment of the capital conservation buffer:
Common equity to Tier-1 to risk-weighted assets |  | 7.00 | %
Tier 1 capital to risk-weighted assets |  | 8.50 | %
Total capital to risk-weighted assets |  | 10.50 | %

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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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