Dakota 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%.
Accumulated other comprehensive income climbed 11.7% in Q2 2026, from -$4.3M to -$3.8M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.83% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $41.0M |
| Tier 1 capital | $41.0M |
| Total risk-based capital | — |
| Total equity capital | $38.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.21% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 9.19% |
| Internal capital growth rate | 10.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $15.3M |
| Retained earnings | $26.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.64% | 7.80% | 7.42% |
| Q4 2023 | 9.39% | 8.32% | 7.97% |
| Q1 2024 | 9.56% | 8.58% | 8.23% |
| Q2 2024 | 9.58% | 8.44% | 8.11% |
| Q3 2024 | 9.24% | 8.31% | 8.00% |
| Q4 2024 | 9.16% | 8.10% | 7.81% |
| Q1 2025 | 9.31% | 7.94% | 7.67% |
| Q2 2025 | 9.26% | 8.14% | 7.87% |
| Q3 2025 | 9.18% | 8.38% | 8.12% |
| Q4 2025 | 9.26% | 8.49% | 8.23% |
| Q1 2026 | 9.49% | 8.82% | 8.56% |
| Q2 2026 | 9.83% | 9.21% | 8.95% |
Dakota Heritage Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota 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 Dakota Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16231) · FFIEC NIC profile (RSSD 860352)