American Heritage National 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 largest change between Q1 2026 and Q2 2026 was in Common equity Tier 1 capital, which rose 3.0% to $72.5M. Within Minnesota, American Heritage National Bank is 39th of 161 on CET1 ratio, 17.48% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. American Heritage National Bank sits 2.41 points higher, at 17.48% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.48% |
| Tier 1 risk-based capital ratio | 17.48% |
| Total risk-based capital ratio | 18.73% |
| Tier 1 leverage ratio | 11.89% |
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 | $72.5M |
| Tier 1 capital | $72.5M |
| Total risk-based capital | $77.7M |
| Total equity capital | $76.1M |
| Risk-weighted assets | $415.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.59% |
| Tangible equity to tangible assets | 11.96% |
| Equity capital to average assets | 12.41% |
| Internal capital growth rate | 7.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $540K |
| Common stock surplus | $15.1M |
| Retained earnings | $60.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $50K |
| 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 | 14.04% | 14.04% | 15.29% | 10.91% | $410.3M |
| Q4 2023 | 13.80% | 13.80% | 15.05% | 10.81% | $424.4M |
| Q1 2024 | 14.14% | 14.14% | 15.39% | 10.60% | $420.6M |
| Q2 2024 | 14.25% | 14.25% | 15.50% | 10.89% | $426.3M |
| Q3 2024 | 15.02% | 15.02% | 16.27% | 10.94% | $414.8M |
| Q4 2024 | 15.42% | 15.42% | 16.68% | 11.17% | $409.3M |
| Q1 2025 | 15.75% | 15.75% | 17.01% | 11.60% | $411.6M |
| Q2 2025 | 16.16% | 16.16% | 17.41% | 12.06% | $410.2M |
| Q3 2025 | 16.45% | 16.45% | 17.70% | 12.25% | $416.7M |
| Q4 2025 | 16.54% | 16.54% | 17.79% | 11.97% | $417.2M |
| Q1 2026 | 17.41% | 17.41% | 18.67% | 11.87% | $404.3M |
| Q2 2026 | 17.48% | 17.48% | 18.73% | 11.89% | $415.0M |
American Heritage National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Heritage National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8843) · FFIEC NIC profile (RSSD 61757)