Heritage 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%.
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 12.6% in Q2 2026, from $7.8M to $8.8M. It was the largest change from Q1 2026 among the key lines here. Heritage Bank ranks 62nd of 86 Kansas banks on CET1 ratio, in the lower half at 12.99% (Q2 2026). Heritage Bank reported 12.99% on CET1 ratio for Q2 2026, 2.10 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 14.24% |
| Tier 1 leverage ratio | 9.94% |
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 | $30.9M |
| Tier 1 capital | $30.9M |
| Total risk-based capital | $33.8M |
| Total equity capital | $36.1M |
| Risk-weighted assets | $237.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.12% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 11.44% |
| Internal capital growth rate | 11.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $24.5M |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$166K |
| 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 | 12.28% | 12.28% | 13.33% | 11.48% | $93.6M |
| Q4 2023 | 12.38% | 12.38% | 13.51% | 11.41% | $95.5M |
| Q1 2024 | 12.07% | 12.07% | 13.25% | 11.10% | $101.2M |
| Q2 2024 | 11.40% | 11.40% | 12.54% | 10.65% | $110.8M |
| Q3 2024 | 11.70% | 11.70% | 12.91% | 10.01% | $111.6M |
| Q4 2024 | 10.86% | 10.86% | 12.11% | 9.88% | $121.7M |
| Q1 2025 | 10.76% | 10.76% | 12.01% | 9.69% | $127.4M |
| Q2 2025 | 10.43% | 10.43% | 11.68% | 9.63% | $137.2M |
| Q3 2025 | 11.87% | 11.87% | 12.87% | 13.84% | $235.6M |
| Q4 2025 | 11.20% | 11.20% | 12.38% | 9.78% | $253.7M |
| Q1 2026 | 11.19% | 11.19% | 12.37% | 9.93% | $266.1M |
| Q2 2026 | 12.99% | 12.99% | 14.24% | 9.94% | $237.6M |
Heritage Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57548) · FFIEC NIC profile (RSSD 3120897)