Headwaters State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
On its Q2 2026 filing, Headwaters State Bank reported 14 of the 19 line items on this page. Tier 1 leverage ratio was 11.21% in Q2 2026, up 0.07 percentage points from 11.14% in Q2 2025. Across the 12 quarters shown it ranged from 10.90% (Q1 2025) to 12.41% (Q2 2024).
What the regulatory capital page covers and where each line comes from.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 7.9% in Q2 2026, from $3.0M to $3.3M. 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 | 11.21% |
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 | $12.8M |
| Tier 1 capital | $12.8M |
| Total risk-based capital | — |
| Total equity capital | $19.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.80% |
| Tangible equity to tangible assets | 10.83% |
| Equity capital to average assets | 15.94% |
| Internal capital growth rate | 5.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $16.3M |
| Retained earnings | $3.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$322K |
| 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 | 11.52% | 17.37% | 10.59% |
| Q4 2023 | 11.94% | 17.94% | 11.29% |
| Q1 2024 | 11.82% | 18.28% | 11.53% |
| Q2 2024 | 12.41% | 18.68% | 11.93% |
| Q3 2024 | 12.35% | 17.78% | 11.54% |
| Q4 2024 | 11.05% | 16.01% | 10.30% |
| Q1 2025 | 10.90% | 16.20% | 10.58% |
| Q2 2025 | 11.14% | 16.34% | 10.82% |
| Q3 2025 | 11.10% | 16.02% | 10.72% |
| Q4 2025 | 11.19% | 16.22% | 10.99% |
| Q1 2026 | 11.08% | 15.93% | 10.81% |
| Q2 2026 | 11.21% | 15.80% | 10.83% |
Headwaters State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Headwaters State Bank, freeSource: Call Report Schedule RC-R, Q2 2026. How these pages are built. See the full Headwaters State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9035) · FFIEC NIC profile (RSSD 224954)