Heartland State 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 11.1% higher than in Q1 2026, at -$945K.
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 | 9.93% |
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 | $15.3M |
| Tier 1 capital | $15.3M |
| Total risk-based capital | — |
| Total equity capital | $14.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
| Equity capital to average assets | 9.32% |
| Internal capital growth rate | 7.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $9.9M |
| Retained earnings | $5.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$945K |
| 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 | 12.26% | 12.26% | 13.08% | 9.72% | $115.9M |
| Q4 2023 | 11.88% | 11.88% | 12.68% | 9.21% | $117.3M |
| Q1 2024 | 12.16% | 12.16% | 12.96% | 9.46% | $118.2M |
| Q2 2024 | 12.33% | 12.33% | 13.15% | 9.60% | $116.4M |
| Q3 2024 | 12.12% | 12.12% | 12.93% | 9.79% | $120.1M |
| Q4 2024 | 12.04% | 12.04% | 12.84% | 9.60% | $120.5M |
| Q1 2025 | 11.93% | 11.93% | 12.71% | 9.82% | $123.6M |
| Q2 2025 | 11.69% | 11.69% | 12.45% | 9.86% | $127.5M |
| Q3 2025 | 11.31% | 11.31% | 12.04% | 10.00% | $133.3M |
| Q4 2025 | 10.73% | 10.73% | 11.43% | 9.72% | $140.0M |
| Q1 2026 | 10.86% | 10.86% | 11.56% | 9.87% | $138.9M |
| Q2 2026 | — | — | — | 9.93% | — |
Heartland State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9007) · FFIEC NIC profile (RSSD 135854)