Heartland State Bank: Common Equity Tier 1 Capital Ratio
Data as of · sourced from FFIEC call reports. How we update
Heartland State Bank reported a common equity tier 1 capital ratio of 10.86% as of Q1 2026. The Common Equity Tier 1 (CET1) ratio is the most-watched US bank capital metric, measuring common equity against risk-weighted assets.
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What is the Common Equity Tier 1 Capital Ratio?
The CET1 ratio measures a bank's highest-quality capital (common equity, retained earnings, and qualifying disclosed reserves) against its risk-weighted assets. It is the most-watched single capital indicator in US bank supervision after the 2013 Basel III reforms.
Most well-managed US community banks report CET1 ratios between 11% and 16%. Ratios above 14% generally indicate comfortable capital cushions; below 10% triggers regulatory attention. The CET1 ratio should be read alongside the Tier 1 leverage ratio (which doesn't weight assets by risk), since a bank can have a high CET1 ratio while still being thinly capitalized on a leverage basis.
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What is Heartland State Bank's Common Equity Tier 1 Capital Ratio?
Heartland State Bank's Common Equity Tier 1 Capital Ratio was 10.86% as of Q1 2026.
What is the Common Equity Tier 1 Capital Ratio?
The CET1 ratio measures a bank's highest-quality capital (common equity, retained earnings, and qualifying disclosed reserves) against its risk-weighted assets. It is the most-watched single capital indicator in US bank supervision after the 2013 Basel III reforms.
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Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Heartland State Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 9007) · FFIEC NIC profile (RSSD 135854)