REGULATORY CAPITAL REQUIREMENTS (Tables)

12 Months Ended

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	%