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 Accumulated other comprehensive income: 7.8% higher than in Q1 2026, at -$18.4M. On CET1 ratio, American Heritage Bank ranks 7th highest among the 71 banks headquartered in Oklahoma, at 23.48% (Q2 2026). American Heritage Bank's CET1 ratio of 23.48% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 10.00 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.48% |
| Tier 1 risk-based capital ratio | 23.48% |
| Total risk-based capital ratio | 24.73% |
| Tier 1 leverage ratio | 9.57% |
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 | $142.4M |
| Tier 1 capital | $142.4M |
| Total risk-based capital | $150.0M |
| Total equity capital | $136.6M |
| Risk-weighted assets | $606.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.20% |
| Tangible equity to tangible assets | 8.43% |
| Equity capital to average assets | 9.10% |
| Internal capital growth rate | 3.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $63.0M |
| Retained earnings | $89.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.4M |
| 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 | 22.80% | 22.80% | 24.05% | 9.03% | $591.1M |
| Q4 2023 | 22.97% | 22.97% | 24.22% | 9.16% | $588.0M |
| Q1 2024 | 23.68% | 23.68% | 24.93% | 9.16% | $580.5M |
| Q2 2024 | 23.93% | 23.93% | 25.18% | 9.12% | $576.5M |
| Q3 2024 | 23.60% | 23.60% | 24.85% | 9.39% | $590.4M |
| Q4 2024 | 23.61% | 23.61% | 24.86% | 9.44% | $592.6M |
| Q1 2025 | 23.87% | 23.87% | 25.11% | 9.32% | $599.0M |
| Q2 2025 | 23.65% | 23.65% | 24.89% | 9.43% | $604.9M |
| Q3 2025 | 23.92% | 23.92% | 25.16% | 9.82% | $605.2M |
| Q4 2025 | 23.24% | 23.24% | 24.49% | 9.71% | $602.3M |
| Q1 2026 | 23.52% | 23.52% | 24.77% | 9.56% | $600.3M |
| Q2 2026 | 23.48% | 23.48% | 24.73% | 9.57% | $606.6M |
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 4190) · FFIEC NIC profile (RSSD 311050)