The Bank of Herrin: 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 Total equity capital, which rose 6.1% to $21.6M. The Bank of Herrin ranks 147th of 198 Illinois banks on CET1 ratio, in the lower half at 12.36% (Q2 2026). The Bank of Herrin reported 12.36% on CET1 ratio for Q2 2026, 2.71 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.36% |
| Tier 1 risk-based capital ratio | 12.36% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 8.81% |
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 | $32.0M |
| Tier 1 capital | $32.0M |
| Total risk-based capital | $34.4M |
| Total equity capital | $21.6M |
| Risk-weighted assets | $258.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.18% |
| Tangible equity to tangible assets | 6.18% |
| Equity capital to average assets | 5.94% |
| Internal capital growth rate | 20.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $6.2M |
| Retained earnings | $25.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.4M |
| 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 | 12.98% | 12.98% | 13.94% | 9.68% | $226.7M |
| Q4 2023 | 12.58% | 12.58% | 13.51% | 9.53% | $235.6M |
| Q1 2024 | 12.01% | 12.01% | 12.98% | 8.84% | $235.8M |
| Q2 2024 | 12.05% | 12.05% | 13.03% | 9.00% | $241.4M |
| Q3 2024 | 12.60% | 12.60% | 13.85% | 9.15% | $235.8M |
| Q4 2024 | 12.36% | 12.36% | 13.60% | 9.17% | $246.7M |
| Q1 2025 | 11.70% | 11.70% | 12.90% | 8.41% | $250.2M |
| Q2 2025 | 12.51% | 12.51% | 13.74% | 8.44% | $240.8M |
| Q3 2025 | 12.33% | 12.33% | 13.29% | 8.77% | $251.1M |
| Q4 2025 | 12.46% | 12.46% | 13.39% | 8.90% | $256.6M |
| Q1 2026 | 12.07% | 12.07% | 13.00% | 8.46% | $256.2M |
| Q2 2026 | 12.36% | 12.36% | 13.31% | 8.81% | $258.8M |
The Bank of Herrin regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Herrin, 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 The Bank of Herrin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11310) · FFIEC NIC profile (RSSD 835444)