American Heritage 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 standout move of Q2 2026 was in Retained earnings: 7.6% higher than in Q1 2026, at $10.0M. American Heritage Bank ranks 10th of 20 New Mexico banks on CET1 ratio, in the upper half at 18.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. American Heritage Bank sits 3.48 points higher, at 18.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.55% |
| Tier 1 risk-based capital ratio | 18.55% |
| Total risk-based capital ratio | 19.80% |
| Tier 1 leverage ratio | 11.09% |
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 | $17.2M |
| Tier 1 capital | $17.2M |
| Total risk-based capital | $18.4M |
| Total equity capital | $15.0M |
| Risk-weighted assets | $92.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.79% |
| Tangible equity to tangible assets | 9.79% |
| Equity capital to average assets | 9.67% |
| Internal capital growth rate | 19.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.6M |
| Common stock surplus | $2.6M |
| Retained earnings | $10.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | 15.56% | 15.56% | 16.70% | 11.18% | $91.4M |
| Q4 2023 | 16.44% | 16.44% | 17.64% | 11.51% | $90.3M |
| Q1 2024 | 15.64% | 15.64% | 16.82% | 11.56% | $94.4M |
| Q2 2024 | 16.00% | 16.00% | 17.19% | 12.09% | $96.2M |
| Q3 2024 | 16.62% | 16.62% | 17.85% | 12.17% | $95.1M |
| Q4 2024 | 17.00% | 17.00% | 18.14% | 12.17% | $95.2M |
| Q1 2025 | 16.12% | 16.12% | 17.27% | 11.35% | $98.6M |
| Q2 2025 | 17.16% | 17.16% | 18.40% | 11.89% | $96.3M |
| Q3 2025 | 18.17% | 18.17% | 19.42% | 12.35% | $94.5M |
| Q4 2025 | 18.57% | 18.57% | 19.82% | 12.37% | $96.0M |
| Q1 2026 | 17.50% | 17.50% | 18.75% | 10.96% | $94.2M |
| Q2 2026 | 18.55% | 18.55% | 19.80% | 11.09% | $92.7M |
American Heritage Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Heritage 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 American Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57025) · FFIEC NIC profile (RSSD 2960555)