Heritage Bank & Trust: 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, Retained earnings rose 5.7% in Q2 2026 to $14.8M, the biggest move on this page. On CET1 ratio, Heritage Bank & Trust is 4th from the bottom among 71 Tennessee banks, 10.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Heritage Bank & Trust sits 4.83 points lower, at 10.24% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.24% |
| Tier 1 risk-based capital ratio | 10.24% |
| Total risk-based capital ratio | 11.50% |
| Tier 1 leverage ratio | 8.48% |
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 | $35.9M |
| Tier 1 capital | $35.9M |
| Total risk-based capital | $40.3M |
| Total equity capital | $33.4M |
| Risk-weighted assets | $350.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.00% |
| Tangible equity to tangible assets | 8.00% |
| Equity capital to average assets | 7.90% |
| Internal capital growth rate | 9.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $21.2M |
| Retained earnings | $14.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 10.91% | 10.91% | 12.17% | 8.57% | $260.3M |
| Q4 2023 | 10.54% | 10.54% | 11.80% | 8.53% | $277.8M |
| Q1 2024 | 10.70% | 10.70% | 11.96% | 8.50% | $280.5M |
| Q2 2024 | 11.17% | 11.17% | 12.43% | 8.77% | $275.9M |
| Q3 2024 | 10.71% | 10.71% | 11.97% | 8.43% | $281.9M |
| Q4 2024 | 10.44% | 10.44% | 11.70% | 8.51% | $297.8M |
| Q1 2025 | 10.28% | 10.28% | 11.53% | 8.50% | $308.8M |
| Q2 2025 | 10.21% | 10.21% | 11.46% | 8.38% | $312.8M |
| Q3 2025 | 10.17% | 10.17% | 11.42% | 8.33% | $324.5M |
| Q4 2025 | 9.95% | 9.95% | 11.21% | 8.31% | $343.0M |
| Q1 2026 | 10.12% | 10.12% | 11.37% | 8.42% | $346.7M |
| Q2 2026 | 10.24% | 10.24% | 11.50% | 8.48% | $350.6M |
Heritage Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58220) · FFIEC NIC profile (RSSD 3429219)