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 rose 7.4% from Q1 2026 to Q2 2026, ending at $59.0M against $55.0M. It was the largest change among the key lines on this page.
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 | 23.01% |
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 | $140.7M |
| Tier 1 capital | $140.7M |
| Total risk-based capital | — |
| Total equity capital | $138.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.68% |
| Tangible equity to tangible assets | 22.68% |
| Equity capital to average assets | 22.69% |
| Internal capital growth rate | 12.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $180K |
| Common stock surplus | $81.5M |
| Retained earnings | $59.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 18.10% | 18.03% | 18.03% |
| Q4 2023 | 18.68% | 18.46% | 18.46% |
| Q1 2024 | 19.72% | 18.81% | 18.81% |
| Q2 2024 | 20.09% | 19.61% | 19.61% |
| Q3 2024 | 20.17% | 19.66% | 19.66% |
| Q4 2024 | 20.41% | 20.34% | 20.34% |
| Q1 2025 | 20.68% | 20.29% | 20.29% |
| Q2 2025 | 21.52% | 21.32% | 21.32% |
| Q3 2025 | 22.58% | 22.06% | 22.06% |
| Q4 2025 | 22.79% | 22.36% | 22.36% |
| Q1 2026 | 22.55% | 21.96% | 21.96% |
| Q2 2026 | 23.01% | 22.68% | 22.68% |
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 17145) · FFIEC NIC profile (RSSD 666554)