Heritage Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 23.01% +14.01 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $140.7M | 140,717 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $611.5M | 611,497 | RCOAA224 |
| Recomputed ratio | 23.01% | numerator / denominator | |
| Filed ratio | 23.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +14.01 pp | $85.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 81,683 | 81,683 | 81,683 | 81,683 | 81,683 | 81,683 | RCOAP742 |
| Retained earnings | 59,034 | 54,970 | 53,210 | 49,952 | 46,320 | 42,405 | RCOAKW00 |
| Accumulated other comprehensive income | (1,983) | (2,127) | (2,127) | (2,227) | (2,329) | (2,403) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 138,734 | 134,526 | 132,766 | 129,408 | 125,674 | 121,685 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,983 | 2,127 | 2,127 | 2,227 | 2,329 | 2,403 | P859 - P840 |
| Common equity Tier 1 capital | 140,717 | 136,653 | 134,893 | 131,635 | 128,003 | 124,088 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 140,717 | 136,653 | 134,893 | 131,635 | 128,003 | 124,088 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 611,497 | 605,903 | 591,956 | 582,976 | 594,872 | 599,923 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 23.01% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 22.55% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 22.79% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 22.58% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 21.52% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 20.68% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 20.41% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 20.17% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 20.09% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 19.72% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 18.68% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 18.10% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Heritage Bank (this bank) | CBLR | NA | NA | NA | 23.01% | |
| All America Bank | $611.5M | Risk-based | 14.11% | 14.11% | 15.35% | 10.47% |
| Andrew Johnson Bank | $611.9M | Risk-based | 16.10% | 16.10% | 17.36% | 11.24% |
| Commercial Capital Bank | $611.4M | CBLR | NA | NA | NA | 11.45% |
| Mercer County State Bank | $611.3M | CBLR | NA | NA | NA | 10.27% |
| Avb Bank | $612.3M | Risk-based | 11.80% | 11.80% | 13.05% | 9.46% |
| Peoples Savings Bank | $610.4M | Risk-based | 13.67% | 13.67% | 14.58% | 9.95% |
| Belmont Savings Bank | $612.9M | CBLR | NA | NA | NA | 13.63% |
| Madison County Bank | $613.2M | Risk-based | 18.29% | 18.29% | 19.54% | 15.11% |
| Peoples Exchange Bank, Inc. | $609.8M | CBLR | NA | NA | NA | 9.97% |
| Peer 25th percentile | 13.67% | 13.67% | 14.58% | 9.97% | ||
| Peer median | 14.11% | 14.11% | 15.35% | 10.47% | ||
| Peer 75th percentile | 16.10% | 16.10% | 17.36% | 11.45% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/666554/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.