First 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%.
Between Q1 2026 and Q2 2026, none of the key lines on this page moved by much; the largest change was in Equity capital to average assets, from 9.75% to 9.76%.
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 | 10.21% |
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 | $7.3M |
| Tier 1 capital | $7.3M |
| Total risk-based capital | — |
| Total equity capital | $7.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.66% |
| Tangible equity to tangible assets | 9.66% |
| Equity capital to average assets | 9.76% |
| Internal capital growth rate | -0.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $200K |
| Retained earnings | $7.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$320K |
| 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 | — | — | — | 9.10% | — |
| Q4 2023 | 12.62% | 12.62% | 13.78% | 9.03% | $45.7M |
| Q1 2024 | 12.63% | 12.63% | 13.79% | 9.38% | $46.1M |
| Q2 2024 | 12.41% | 12.41% | 13.54% | 9.54% | $48.0M |
| Q3 2024 | 12.36% | 12.36% | 13.48% | 9.49% | $49.4M |
| Q4 2024 | 12.25% | 12.25% | 13.38% | 9.15% | $50.7M |
| Q1 2025 | — | — | — | 9.03% | — |
| Q2 2025 | — | — | — | 9.50% | — |
| Q3 2025 | — | — | — | 9.89% | — |
| Q4 2025 | — | — | — | 9.85% | — |
| Q1 2026 | — | — | — | 10.20% | — |
| Q2 2026 | — | — | — | 10.21% | — |
First Heritage Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4457) · FFIEC NIC profile (RSSD 618647)