Heartland 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which fell 6.8% to $226.7M. Heartland Bank ranks 42nd of 114 Iowa banks on CET1 ratio, in the upper half at 15.00% (Q2 2026). At 15.00%, Heartland Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.00% |
| Tier 1 risk-based capital ratio | 15.00% |
| Total risk-based capital ratio | 16.25% |
| Tier 1 leverage ratio | 13.23% |
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 | $34.0M |
| Tier 1 capital | $34.0M |
| Total risk-based capital | $36.8M |
| Total equity capital | $34.2M |
| Risk-weighted assets | $226.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.35% |
| Tangible equity to tangible assets | 13.12% |
| Equity capital to average assets | 13.26% |
| Internal capital growth rate | -0.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $570K |
| Common stock surplus | $3.0M |
| Retained earnings | $31.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$477K |
| 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 | 12.70% | 12.70% | 13.95% | 11.61% | $215.3M |
| Q4 2023 | 12.52% | 12.52% | 13.77% | 11.69% | $218.9M |
| Q1 2024 | 12.19% | 12.19% | 13.44% | 11.53% | $228.9M |
| Q2 2024 | 13.42% | 13.42% | 14.67% | 11.76% | $213.1M |
| Q3 2024 | 13.63% | 13.63% | 14.88% | 12.11% | $214.5M |
| Q4 2024 | 13.48% | 13.48% | 14.73% | 12.24% | $223.0M |
| Q1 2025 | 13.35% | 13.35% | 14.60% | 12.21% | $226.7M |
| Q2 2025 | 14.22% | 14.22% | 15.47% | 12.55% | $218.8M |
| Q3 2025 | 13.74% | 13.74% | 15.00% | 12.46% | $231.3M |
| Q4 2025 | 13.85% | 13.85% | 15.10% | 12.68% | $235.0M |
| Q1 2026 | 13.98% | 13.98% | 15.23% | 13.13% | $243.2M |
| Q2 2026 | 15.00% | 15.00% | 16.25% | 13.23% | $226.7M |
Heartland Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland 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 Heartland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14809) · FFIEC NIC profile (RSSD 604547)