American Heritage National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 10.73% (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: 10.73% (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 17.48% +10.98 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 | $72.5M | 72,528 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $415.0M | 415,014 | RCOAA223 |
| Recomputed ratio | 17.48% | numerator / denominator | |
| Filed ratio | 17.48% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.98 pp | $45.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 17.48% +9.48 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 | $72.5M | 72,528 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $415.0M | 415,014 | RCOAA223 |
| Recomputed ratio | 17.48% | numerator / denominator | |
| Filed ratio | 17.48% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.48 pp | $39.3M | capital that could be lost first |
Total risk-based capital ratio 18.73% +8.73 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 | $77.7M | 77,729 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $415.0M | 415,014 | RCOAA223 |
| Recomputed ratio | 18.73% | numerator / denominator | |
| Filed ratio | 18.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +8.73 pp | $36.2M | capital that could be lost first |
Tier 1 leverage ratio 11.89% +6.89 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 | $72.5M | 72,528 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $609.8M | 609,765 | RCOAA224 |
| Recomputed ratio | 11.89% | numerator / denominator | |
| Filed ratio | 11.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.89 pp | $42.0M | 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 | 15,672 | 15,672 | 15,672 | 15,672 | 15,672 | 15,672 | RCOAP742 |
| Retained earnings | 60,413 | 59,049 | 56,951 | 56,516 | 54,483 | 53,178 | RCOAKW00 |
| Accumulated other comprehensive income | 50 | (484) | 191 | 125 | 8 | (10) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 76,135 | 74,237 | 72,814 | 72,313 | 70,163 | 68,840 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (3,607) | (3,823) | (3,831) | (3,769) | (3,892) | (3,997) | P859 - P840 |
| Common equity Tier 1 capital | 72,528 | 70,414 | 68,983 | 68,544 | 66,271 | 64,843 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 72,528 | 70,414 | 68,983 | 68,544 | 66,271 | 64,843 | RCOA8274 |
| Tier 2 capital | 5,201 | 5,069 | 5,227 | 5,221 | 5,141 | 5,159 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,201 | 5,069 | 5,227 | 5,221 | 5,141 | 5,159 | RCOA5310 |
| Total capital | 77,729 | 75,483 | 74,210 | 73,765 | 71,412 | 70,002 | RCOA3792 |
| Total risk-weighted assets | 415,014 | 404,343 | 417,151 | 416,693 | 410,156 | 411,614 | RCOAA223 |
| Average total assets for the leverage ratio | 609,765 | 593,241 | 576,337 | 559,598 | 549,411 | 558,782 | 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 | $76.8M | $11K | 0.01% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $64.6M | $2.2M | 3.33% | 0.52% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $216.8M | $142.4M | 65.66% | 34.22% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $623K | $934K | 150.00% | 0.22% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $225.0M | $224.9M | 99.93% | 54.04% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.8M | $26.0M | 97.17% | 6.25% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $24.0M | $19.7M | 82.31% | 4.74% | 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 | $416.1M | ties to item 31 ($416.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $416.1M | RCONB704 |
| Less: excess allowance for credit losses | $1.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $415.0M | 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 | 17.48% | 17.48% | 18.73% | 11.89% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 17.41% | 17.41% | 18.67% | 11.87% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.54% | 16.54% | 17.79% | 11.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.45% | 16.45% | 17.70% | 12.25% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.16% | 16.16% | 17.41% | 12.06% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.75% | 15.75% | 17.01% | 11.60% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.42% | 15.42% | 16.68% | 11.17% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.02% | 15.02% | 16.27% | 10.94% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.25% | 14.25% | 15.50% | 10.89% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.14% | 14.14% | 15.39% | 10.60% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.80% | 13.80% | 15.05% | 10.81% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.04% | 14.04% | 15.29% | 10.91% | 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 National Bank (this bank) | Risk-based | 17.48% | 17.48% | 18.73% | 11.89% | |
| Golden Valley Bank | $604.7M | Risk-based | 14.65% | 14.65% | 15.90% | 9.32% |
| Range Bank | $604.1M | Risk-based | 15.85% | 15.85% | 17.09% | 10.84% |
| First Federal Community Bank, SSB | $603.6M | CBLR | NA | NA | NA | 13.10% |
| Partners Bank of California | $602.2M | Risk-based | 13.70% | 13.70% | 14.96% | 11.67% |
| Wisdom Heritage Bank | $601.3M | Risk-based | 20.69% | 20.69% | 21.82% | 14.22% |
| Washington State Bank | $601.1M | Risk-based | 20.40% | 20.40% | 21.65% | 12.48% |
| Frontier State Bank | $608.6M | CBLR | NA | NA | NA | 11.54% |
| The Maries County Bank | $600.5M | CBLR | NA | NA | NA | 14.83% |
| Hearthside Bank Corporation | $608.9M | Risk-based | 14.27% | 14.27% | 15.52% | 10.07% |
| Peer 25th percentile | 14.36% | 14.36% | 15.62% | 10.84% | ||
| Peer median | 15.25% | 15.25% | 16.50% | 11.67% | ||
| Peer 75th percentile | 19.26% | 19.26% | 20.51% | 13.10% | ||
| This bank's percentile | 67 | 67 | 67 | 56 |
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/61757/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.