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%.
Accumulated other comprehensive income dropped 15.2% in Q2 2026, from -$33.0M to -$38.0M. It was the largest change from Q1 2026 among the key lines here. Heritage Bank ranks 15th of 21 Washington banks on CET1 ratio, in the lower half at 12.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Heritage Bank sits 1.14 points lower, at 12.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.34% |
| Tier 1 risk-based capital ratio | 12.34% |
| Total risk-based capital ratio | 13.23% |
| Tier 1 leverage ratio | 10.23% |
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 | $834.1M |
| Tier 1 capital | $834.1M |
| Total risk-based capital | $894.6M |
| Total equity capital | $1.12B |
| Risk-weighted assets | $6.76B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.32% |
| Tangible equity to tangible assets | 9.83% |
| Equity capital to average assets | 13.24% |
| Internal capital growth rate | 1.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $870.3M |
| Retained earnings | $288.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$38.0M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.94% | 12.94% | 13.79% | 9.68% | $5.31B |
| Q4 2023 | 12.92% | 12.92% | 13.79% | 9.75% | $5.31B |
| Q1 2024 | 12.93% | 12.93% | 13.84% | 9.95% | $5.35B |
| Q2 2024 | 12.83% | 12.83% | 13.76% | 9.95% | $5.40B |
| Q3 2024 | 12.59% | 12.59% | 13.50% | 9.86% | $5.50B |
| Q4 2024 | 12.28% | 12.28% | 13.20% | 9.91% | $5.63B |
| Q1 2025 | 12.48% | 12.48% | 13.43% | 10.04% | $5.57B |
| Q2 2025 | 12.52% | 12.52% | 13.48% | 10.18% | $5.57B |
| Q3 2025 | 12.67% | 12.67% | 13.66% | 10.38% | $5.58B |
| Q4 2025 | 12.95% | 12.95% | 13.92% | 10.70% | $5.57B |
| Q1 2026 | 12.32% | 12.32% | 13.24% | 10.10% | $6.71B |
| Q2 2026 | 12.34% | 12.34% | 13.23% | 10.23% | $6.76B |
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 29012) · FFIEC NIC profile (RSSD 881478)