Heritage Bank of Saint Tammany: Regulatory Capital and Risk-Weighted Assets
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As of 1Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 1Q26
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 9.65% +0.65 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 | $17.2M | 17,245 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $178.7M | 178,705 | RCOAA224 |
| Recomputed ratio | 9.65% | numerator / denominator | |
| Filed ratio | 9.65% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.65 pp | $1.2M | 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 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 9,129 | 9,038 | 9,032 | 9,023 | 9,009 | RCOAP742 |
| Retained earnings | 8,144 | 11,140 | 10,909 | 10,987 | 10,784 | RCOAKW00 |
| Accumulated other comprehensive income | (612) | (562) | (608) | (742) | (733) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,661 | 19,616 | 19,333 | 19,268 | 19,060 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 584 | 448 | 493 | 557 | 454 | P859 - P840 |
| Common equity Tier 1 capital | 17,245 | 20,064 | 19,826 | 19,825 | 19,514 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,245 | 20,064 | 19,826 | 19,825 | 19,514 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 178,705 | 181,878 | 185,071 | 186,138 | 184,167 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 1Q26 | CBLR | NA | NA | NA | 9.65% | 14.93% | 14.97% | 16.07% | 10.85% |
| 4Q25 | CBLR | NA | NA | NA | 11.03% | 14.84% | 14.89% | 15.96% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.71% | 14.80% | 14.82% | 15.95% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.65% | 14.72% | 14.75% | 15.90% | 10.79% |
| 1Q25 | CBLR | NA | NA | NA | 10.60% | 14.75% | 14.78% | 15.92% | 10.69% |
| 4Q24 | CBLR | NA | NA | NA | 10.78% | 14.62% | 14.67% | 15.71% | 10.60% |
| 3Q24 | CBLR | NA | NA | NA | 11.03% | 14.65% | 14.65% | 15.77% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.84% | 14.52% | 14.54% | 15.66% | 10.59% |
| 1Q24 | CBLR | NA | NA | NA | 11.78% | 14.54% | 14.58% | 15.68% | 10.53% |
| 4Q23 | CBLR | NA | NA | NA | 11.58% | 14.40% | 14.42% | 15.55% | 10.54% |
| 3Q23 | CBLR | NA | NA | NA | 11.77% | 14.62% | 14.64% | 15.73% | 10.58% |
| 2Q23 | CBLR | NA | NA | NA | 11.84% | 14.60% | 14.62% | 15.75% | 10.48% |
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, 1Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Heritage Bank of Saint Tammany (this bank) | CBLR | NA | NA | NA | 9.65% | |
| Commerce Bank | $167.9M | CBLR | NA | NA | NA | 12.65% |
| Riverwind Bank | $167.8M | CBLR | NA | NA | NA | 9.10% |
| The Brady National Bank | $167.7M | Risk-based | 18.42% | 18.42% | 19.68% | 9.78% |
| The First National Bank of Eagle Lake | $167.7M | CBLR | NA | NA | NA | 11.35% |
| Equitable Savings and Loan Association | $168.3M | Risk-based | 29.34% | 29.34% | 29.72% | 15.59% |
| Peoples Bank & Trust Company | $168.6M | CBLR | NA | NA | NA | 14.26% |
| Unb Bank | $167.3M | CBLR | NA | NA | NA | 9.29% |
| Farmers State Bank of Western Illinois | $167.3M | CBLR | NA | NA | NA | 13.58% |
| Impact Bank | $167.2M | Risk-based | 15.14% | 15.14% | 16.24% | 10.78% |
| Union State Bank | $168.7M | CBLR | NA | NA | NA | 9.10% |
| Peer 25th percentile | 16.78% | 16.78% | 17.96% | 9.41% | ||
| Peer median | 18.42% | 18.42% | 19.68% | 11.07% | ||
| Peer 75th percentile | 23.88% | 23.88% | 24.70% | 13.35% | ||
| This bank's percentile | NA | NA | NA | 30 |
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/194570/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.