Heritage Bank Minnesota: 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 Retained earnings: 20.4% higher than in Q1 2026, at $1.6M. On CET1 ratio, Heritage Bank Minnesota is 5th from the bottom among 161 Minnesota banks, 9.98% (Q2 2026). Heritage Bank Minnesota reported 9.98% on CET1 ratio for Q2 2026, 5.10 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.98% |
| Tier 1 risk-based capital ratio | 9.98% |
| Total risk-based capital ratio | 11.04% |
| Tier 1 leverage ratio | 7.27% |
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 | $9.1M |
| Tier 1 capital | $9.1M |
| Total risk-based capital | $10.1M |
| Total equity capital | $7.8M |
| Risk-weighted assets | $91.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.44% |
| Tangible equity to tangible assets | 6.44% |
| Equity capital to average assets | 6.21% |
| Internal capital growth rate | 14.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $7.5M |
| Retained earnings | $1.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 12.54% | 12.54% | 13.53% | 8.13% | $62.5M |
| Q4 2023 | 10.74% | 10.74% | 11.64% | 7.94% | $73.9M |
| Q1 2024 | 11.63% | 11.63% | 12.63% | 7.80% | $69.4M |
| Q2 2024 | 10.90% | 10.90% | 11.90% | 7.78% | $74.3M |
| Q3 2024 | 10.86% | 10.86% | 11.85% | 7.96% | $76.1M |
| Q4 2024 | 10.57% | 10.57% | 11.52% | 7.91% | $77.8M |
| Q1 2025 | 10.52% | 10.52% | 11.55% | 7.92% | $79.2M |
| Q2 2025 | 10.13% | 10.13% | 11.14% | 7.80% | $83.1M |
| Q3 2025 | 9.96% | 9.96% | 10.97% | 7.61% | $86.5M |
| Q4 2025 | 9.79% | 9.79% | 10.82% | 7.32% | $88.0M |
| Q1 2026 | 10.30% | 10.30% | 11.41% | 7.27% | $85.8M |
| Q2 2026 | 9.98% | 9.98% | 11.04% | 7.27% | $91.3M |
Heritage Bank Minnesota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8865) · FFIEC NIC profile (RSSD 777254)