First Community Bank of the Heartland, Inc.: 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 standout move of Q2 2026 was in Risk-weighted assets: 11.3% higher than in Q1 2026, at $418.2M. First Community Bank of the Heartland, Inc. has the 2nd lowest CET1 ratio of the 69 banks headquartered in Kentucky, at 9.61% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Community Bank of the Heartland, Inc. sits 5.46 points lower, at 9.61% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.61% |
| Tier 1 risk-based capital ratio | 9.61% |
| Total risk-based capital ratio | 10.45% |
| Tier 1 leverage ratio | 8.12% |
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 | $40.2M |
| Tier 1 capital | $40.2M |
| Total risk-based capital | $43.7M |
| Total equity capital | $39.0M |
| Risk-weighted assets | $418.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.71% |
| Tangible equity to tangible assets | 7.13% |
| Equity capital to average assets | 7.83% |
| Internal capital growth rate | 5.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $20.9M |
| Retained earnings | $22.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| 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 | 11.07% | 11.07% | 12.03% | 8.52% | $325.2M |
| Q4 2023 | 10.84% | 10.84% | 11.78% | 8.27% | $329.0M |
| Q1 2024 | 10.03% | 10.03% | 10.88% | 8.23% | $360.2M |
| Q2 2024 | 10.95% | 10.95% | 11.83% | 8.21% | $334.2M |
| Q3 2024 | 10.85% | 10.85% | 11.64% | 8.22% | $343.1M |
| Q4 2024 | 10.36% | 10.36% | 11.18% | 7.99% | $356.5M |
| Q1 2025 | 10.97% | 10.97% | 11.82% | 8.20% | $345.3M |
| Q2 2025 | 10.75% | 10.75% | 11.64% | 8.22% | $355.4M |
| Q3 2025 | 10.72% | 10.72% | 11.55% | 8.23% | $363.3M |
| Q4 2025 | 10.54% | 10.54% | 11.42% | 8.07% | $365.2M |
| Q1 2026 | 10.55% | 10.55% | 11.40% | 8.17% | $375.8M |
| Q2 2026 | 9.61% | 9.61% | 10.45% | 8.12% | $418.2M |
First Community Bank of the Heartland, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of the Heartland, Inc., 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 First Community Bank of the Heartland, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14735) · FFIEC NIC profile (RSSD 837149)