Heritage Bank, N.A.: 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 6.4% in Q2 2026 to -$1.5M, the biggest move on this page. Heritage Bank, N.A. ranks 65th of 161 Minnesota banks on CET1 ratio, in the upper half at 15.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Heritage Bank, N.A. reported 15.33% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.33% |
| Tier 1 risk-based capital ratio | 15.33% |
| Total risk-based capital ratio | 16.59% |
| Tier 1 leverage ratio | 10.81% |
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 | $39.4M |
| Tier 1 capital | $39.4M |
| Total risk-based capital | $42.6M |
| Total equity capital | $37.9M |
| Risk-weighted assets | $256.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.49% |
| Tangible equity to tangible assets | 10.49% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | -0.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $970K |
| Common stock surplus | $29.6M |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 9.65% | 9.65% | 10.90% | 7.69% | $426.2M |
| Q4 2023 | 9.81% | 9.81% | 11.06% | 7.10% | $410.3M |
| Q1 2024 | 11.11% | 11.11% | 12.37% | 7.01% | $370.2M |
| Q2 2024 | 10.85% | 10.85% | 12.11% | 7.37% | $380.4M |
| Q3 2024 | 11.67% | 11.67% | 12.93% | 8.03% | $358.3M |
| Q4 2024 | 11.86% | 11.86% | 13.12% | 8.25% | $346.5M |
| Q1 2025 | 13.89% | 13.89% | 15.15% | 9.39% | $301.9M |
| Q2 2025 | 14.34% | 14.34% | 15.60% | 9.84% | $289.6M |
| Q3 2025 | 14.19% | 14.19% | 15.46% | 9.77% | $279.6M |
| Q4 2025 | 14.68% | 14.68% | 15.95% | 10.02% | $271.7M |
| Q1 2026 | 15.61% | 15.61% | 16.87% | 10.60% | $252.5M |
| Q2 2026 | 15.33% | 15.33% | 16.59% | 10.81% | $256.9M |
Heritage Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19254) · FFIEC NIC profile (RSSD 901358)