American Heritage Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.80% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 11.80% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 18.55% +12.05 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $17.2M | 17,201 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $92.7M | 92,720 | RCOAA223 |
| Recomputed ratio | 18.55% | numerator / denominator | |
| Filed ratio | 18.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +12.05 pp | $11.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.55% +10.55 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $17.2M | 17,201 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $92.7M | 92,720 | RCOAA223 |
| Recomputed ratio | 18.55% | numerator / denominator | |
| Filed ratio | 18.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.55 pp | $9.8M | capital that could be lost first |
Total risk-based capital ratio 19.80% +9.80 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $18.4M | 18,361 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $92.7M | 92,720 | RCOAA223 |
| Recomputed ratio | 19.80% | numerator / denominator | |
| Filed ratio | 19.80% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.80 pp | $9.1M | capital that could be lost first |
Tier 1 leverage ratio 11.09% +6.09 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $17.2M | 17,201 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $155.2M | 155,154 | RCOAA224 |
| Recomputed ratio | 11.09% | numerator / denominator | |
| Filed ratio | 11.09% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.09 pp | $9.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 7,177 | 7,177 | 7,177 | 7,177 | 7,177 | 7,177 | RCOAP742 |
| Retained earnings | 10,024 | 9,313 | 10,643 | 9,987 | 9,348 | 8,718 | RCOAKW00 |
| Accumulated other comprehensive income | (2,201) | (2,277) | (2,083) | (2,299) | (2,617) | (2,860) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,000 | 14,213 | 15,737 | 14,865 | 13,908 | 13,035 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,201 | 2,277 | 2,083 | 2,299 | 2,617 | 2,860 | P859 - P840 |
| Common equity Tier 1 capital | 17,201 | 16,490 | 17,820 | 17,164 | 16,525 | 15,895 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,201 | 16,490 | 17,820 | 17,164 | 16,525 | 15,895 | RCOA8274 |
| Tier 2 capital | 1,160 | 1,179 | 1,200 | 1,181 | 1,191 | 1,128 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,160 | 1,179 | 1,200 | 1,181 | 1,191 | 1,128 | RCOA5310 |
| Total capital | 18,361 | 17,669 | 19,020 | 18,345 | 17,716 | 17,023 | RCOA3792 |
| Total risk-weighted assets | 92,720 | 94,226 | 95,964 | 94,485 | 96,274 | 98,577 | RCOAA223 |
| Average total assets for the leverage ratio | 155,154 | 150,461 | 144,053 | 139,024 | 138,953 | 140,017 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $18.7M | $3.6M | 19.04% | 3.84% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $55.3M | $8.2M | 14.82% | 8.83% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $3.9M | $785K | 20.00% | 0.85% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $11.5M | $5.8M | 50.47% | 6.23% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $54K | $81K | 150.00% | 0.09% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $61.2M | $61.2M | 100.00% | 65.96% | RC-R Part II, item 4.d, 5.d |
| All other assets | $6.8M | $6.8M | 100.00% | 7.29% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.4M | $6.4M | 100.00% | 6.92% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $92.9M | ties to item 31 ($92.9M) |
|---|---|---|
| Risk-weighted assets before deductions | $92.9M | RCONB704 |
| Less: excess allowance for credit losses | $132K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $92.7M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 18.55% | 18.55% | 19.80% | 11.09% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.50% | 17.50% | 18.75% | 10.96% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 18.57% | 18.57% | 19.82% | 12.37% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 18.17% | 18.17% | 19.42% | 12.35% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 17.16% | 17.16% | 18.40% | 11.89% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.12% | 16.12% | 17.27% | 11.35% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 17.00% | 17.00% | 18.14% | 12.17% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.62% | 16.62% | 17.85% | 12.17% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.00% | 16.00% | 17.19% | 12.09% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.64% | 15.64% | 16.82% | 11.56% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.44% | 16.44% | 17.64% | 11.51% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.56% | 15.56% | 16.70% | 11.18% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| American Heritage Bank (this bank) | Risk-based | 18.55% | 18.55% | 19.80% | 11.09% | |
| Citizens State Bank of Arlington | $153.2M | CBLR | NA | NA | NA | 11.74% |
| Bay Port State Bank | $153.4M | CBLR | NA | NA | NA | 10.89% |
| Priority Bank | $153.4M | CBLR | NA | NA | NA | 10.52% |
| First National Bank of Fort Stockton | $153.5M | CBLR | NA | NA | NA | 12.20% |
| Eastbank, N.A. | $153.0M | Risk-based | 29.85% | 29.85% | 31.11% | 22.99% |
| Lake Region Bank | $153.0M | Risk-based | 18.78% | 18.78% | 19.67% | 10.43% |
| Nationwide Trust Company, FSB | $153.6M | Risk-based | 141.82% | 141.82% | 141.82% | 36.89% |
| Bluff View Bank | $152.8M | Risk-based | 20.04% | 20.04% | 20.95% | 14.94% |
| Bank of Whittier, N.A. | $152.6M | CBLR | NA | NA | NA | 16.38% |
| The Citizens National Bank of Woodsfield | $153.9M | Risk-based | 23.30% | 23.30% | 23.98% | 8.88% |
| Peer 25th percentile | 20.04% | 20.04% | 20.95% | 10.61% | ||
| Peer median | 23.30% | 23.30% | 23.98% | 11.97% | ||
| Peer 75th percentile | 29.85% | 29.85% | 31.11% | 16.02% | ||
| This bank's percentile | 0 | 0 | 20 | 40 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2960555/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.