Community First Bank of the Heartland: 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 Retained earnings, which rose 7.1% to $13.3M. Community First Bank of the Heartland ranks 138th of 198 Illinois banks on CET1 ratio, in the lower half at 13.06% (Q2 2026). Community First Bank of the Heartland reported 13.06% on CET1 ratio for Q2 2026, 2.01 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 | 13.06% |
| Tier 1 risk-based capital ratio | 13.06% |
| Total risk-based capital ratio | 14.12% |
| Tier 1 leverage ratio | 10.14% |
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 | $27.0M |
| Tier 1 capital | $27.0M |
| Total risk-based capital | $29.2M |
| Total equity capital | $28.0M |
| Risk-weighted assets | $206.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.50% |
| Tangible equity to tangible assets | 9.85% |
| Equity capital to average assets | 10.45% |
| Internal capital growth rate | 12.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $746K |
| Common stock surplus | $14.8M |
| Retained earnings | $13.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$887K |
| 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 | 12.07% | 12.07% | 13.18% | 9.43% | $198.4M |
| Q4 2023 | 11.90% | 11.90% | 13.00% | 9.56% | $205.6M |
| Q1 2024 | 11.42% | 11.42% | 12.53% | 9.01% | $206.9M |
| Q2 2024 | 11.99% | 11.99% | 13.12% | 9.33% | $202.1M |
| Q3 2024 | 12.03% | 12.03% | 13.12% | 9.73% | $206.8M |
| Q4 2024 | 11.57% | 11.57% | 12.59% | 9.69% | $220.8M |
| Q1 2025 | 11.37% | 11.37% | 12.40% | 9.19% | $218.5M |
| Q2 2025 | 12.49% | 12.49% | 13.61% | 9.84% | $205.4M |
| Q3 2025 | 12.83% | 12.83% | 13.95% | 10.26% | $206.2M |
| Q4 2025 | 12.67% | 12.67% | 13.72% | 10.19% | $211.3M |
| Q1 2026 | 12.56% | 12.56% | 13.65% | 9.87% | $207.7M |
| Q2 2026 | 13.06% | 13.06% | 14.12% | 10.14% | $206.7M |
Community First Bank of the Heartland regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank of the Heartland, 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 Community First Bank of the Heartland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3846) · FFIEC NIC profile (RSSD 273840)