Heartland Bank and Trust Company: 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%.
Equity capital to average assets dropped 1.93 percentage points in Q2 2026, from 14.90% to 12.97%. It was the largest change from Q1 2026 among the key lines here. Heartland Bank and Trust Company ranks 105th of 198 Illinois banks on CET1 ratio, in the lower half at 14.75% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Heartland Bank and Trust Company sits 1.27 points higher, at 14.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.75% |
| Tier 1 risk-based capital ratio | 14.75% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 11.94% |
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 | $794.1M |
| Tier 1 capital | $794.1M |
| Total risk-based capital | $850.6M |
| Total equity capital | $877.5M |
| Risk-weighted assets | $5.38B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.05% |
| Tangible equity to tangible assets | 11.41% |
| Equity capital to average assets | 12.97% |
| Internal capital growth rate | 11.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $502.2M |
| Retained earnings | $399.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.5M |
| 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 | 13.88% | 13.88% | 14.78% | 10.89% | $3.91B |
| Q4 2023 | 14.01% | 14.01% | 14.92% | 10.96% | $3.93B |
| Q1 2024 | 14.44% | 14.44% | 15.45% | 11.17% | $3.87B |
| Q2 2024 | 14.61% | 14.61% | 15.63% | 11.32% | $3.89B |
| Q3 2024 | 15.10% | 15.10% | 16.13% | 11.64% | $3.85B |
| Q4 2024 | 15.10% | 15.10% | 16.11% | 11.98% | $3.95B |
| Q1 2025 | 15.38% | 15.38% | 16.46% | 12.12% | $3.95B |
| Q2 2025 | 15.74% | 15.74% | 16.84% | 11.97% | $3.81B |
| Q3 2025 | 15.40% | 15.40% | 16.49% | 11.95% | $3.88B |
| Q4 2025 | 15.42% | 15.42% | 16.52% | 12.02% | $3.94B |
| Q1 2026 | 14.44% | 14.44% | 15.46% | 13.63% | $5.30B |
| Q2 2026 | 14.75% | 14.75% | 15.80% | 11.94% | $5.38B |
Heartland Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20369) · FFIEC NIC profile (RSSD 426534)