Heritage Community Bank: 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%.
Retained earnings climbed 21.5% in Q2 2026, from $2.1M to $2.6M. It was the largest change from Q1 2026 among the key lines here. Heritage Community Bank ranks 22nd of 71 Tennessee banks on CET1 ratio, in the upper half at 15.10% (Q2 2026). At 15.10%, Heritage Community Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.10% |
| Tier 1 risk-based capital ratio | 15.10% |
| Total risk-based capital ratio | 16.36% |
| Tier 1 leverage ratio | 10.31% |
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 | $18.6M |
| Tier 1 capital | $18.6M |
| Total risk-based capital | $20.2M |
| Total equity capital | $18.6M |
| Risk-weighted assets | $123.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | 10.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $13.4M |
| Retained earnings | $2.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10K |
| 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 | 14.58% | 14.58% | 15.83% | 9.86% | $104.6M |
| Q4 2023 | 14.98% | 14.98% | 16.23% | 10.01% | $103.4M |
| Q1 2024 | 14.92% | 14.92% | 16.17% | 9.79% | $104.6M |
| Q2 2024 | 14.62% | 14.62% | 15.88% | 9.74% | $108.7M |
| Q3 2024 | 14.59% | 14.59% | 15.85% | 9.73% | $110.9M |
| Q4 2024 | 14.55% | 14.55% | 15.80% | 9.73% | $112.1M |
| Q1 2025 | 14.46% | 14.46% | 15.72% | 9.89% | $116.7M |
| Q2 2025 | 14.42% | 14.42% | 15.68% | 9.61% | $119.5M |
| Q3 2025 | 14.28% | 14.28% | 15.54% | 9.73% | $123.7M |
| Q4 2025 | 14.15% | 14.15% | 15.40% | 9.92% | $127.5M |
| Q1 2026 | 14.43% | 14.43% | 15.68% | 10.11% | $125.9M |
| Q2 2026 | 15.10% | 15.10% | 16.36% | 10.31% | $123.3M |
Heritage Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57656) · FFIEC NIC profile (RSSD 3224478)