Heritage Bank, Inc.: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 7.7% higher than in Q1 2026, at -$36.3M. Within Kentucky, Heritage Bank, Inc. is 59th of 69 on CET1 ratio, 11.86% as of Q2 2026, below the middle of the field. Heritage Bank, Inc. reported 11.86% on CET1 ratio for Q2 2026, 1.62 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.86% |
| Tier 1 risk-based capital ratio | 11.86% |
| Total risk-based capital ratio | 12.97% |
| Tier 1 leverage ratio | 9.01% |
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 | $180.4M |
| Tier 1 capital | $180.4M |
| Total risk-based capital | $197.4M |
| Total equity capital | $144.2M |
| Risk-weighted assets | $1.52B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.23% |
| Tangible equity to tangible assets | 7.23% |
| Equity capital to average assets | 7.20% |
| Internal capital growth rate | 15.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $77.9M |
| Retained earnings | $95.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$36.3M |
| 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 | 10.50% | 10.50% | 11.54% | 8.18% | $1.29B |
| Q4 2023 | 10.64% | 10.64% | 11.70% | 7.81% | $1.30B |
| Q1 2024 | 10.84% | 10.84% | 11.78% | 7.80% | $1.31B |
| Q2 2024 | 10.47% | 10.47% | 11.40% | 8.01% | $1.38B |
| Q3 2024 | 10.57% | 10.57% | 11.52% | 8.23% | $1.40B |
| Q4 2024 | 10.60% | 10.60% | 11.54% | 8.01% | $1.44B |
| Q1 2025 | 10.86% | 10.86% | 11.84% | 8.52% | $1.44B |
| Q2 2025 | 10.81% | 10.81% | 11.80% | 8.57% | $1.49B |
| Q3 2025 | 10.76% | 10.76% | 11.76% | 8.74% | $1.54B |
| Q4 2025 | 11.21% | 11.21% | 12.23% | 8.39% | $1.52B |
| Q1 2026 | 11.50% | 11.50% | 12.57% | 8.58% | $1.53B |
| Q2 2026 | 11.86% | 11.86% | 12.97% | 9.01% | $1.52B |
Heritage Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33119) · FFIEC NIC profile (RSSD 1469677)