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%.
The standout move of Q2 2026 was in Risk-weighted assets: 10.0% higher than in Q1 2026, at $292.8M. Heritage Community Bank has the 2nd lowest CET1 ratio of the 98 banks headquartered in Missouri, at 9.39% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Heritage Community Bank sits 5.68 points lower, at 9.39% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.39% |
| Tier 1 risk-based capital ratio | 9.39% |
| Total risk-based capital ratio | 10.64% |
| Tier 1 leverage ratio | 8.30% |
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 | $27.5M |
| Tier 1 capital | $27.5M |
| Total risk-based capital | $31.2M |
| Total equity capital | $27.8M |
| Risk-weighted assets | $292.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.01% |
| Tangible equity to tangible assets | 7.90% |
| Equity capital to average assets | 8.40% |
| Internal capital growth rate | 19.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $11.1M |
| Retained earnings | $16.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$58K |
| 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 | 9.33% | 9.33% | 10.58% | 7.95% | $198.5M |
| Q4 2023 | 9.31% | 9.31% | 10.56% | 7.84% | $205.3M |
| Q1 2024 | 8.84% | 8.84% | 10.09% | 7.47% | $212.6M |
| Q2 2024 | 8.95% | 8.95% | 10.20% | 7.57% | $217.4M |
| Q3 2024 | 8.94% | 8.94% | 10.19% | 7.56% | $226.6M |
| Q4 2024 | 9.27% | 9.27% | 10.52% | 7.60% | $228.2M |
| Q1 2025 | 9.11% | 9.11% | 10.36% | 7.46% | $232.5M |
| Q2 2025 | 9.04% | 9.04% | 10.29% | 7.76% | $247.3M |
| Q3 2025 | 9.24% | 9.24% | 10.49% | 7.73% | $253.4M |
| Q4 2025 | 9.91% | 9.91% | 11.16% | 8.53% | $265.0M |
| Q1 2026 | 9.84% | 9.84% | 11.09% | 8.12% | $266.2M |
| Q2 2026 | 9.39% | 9.39% | 10.64% | 8.30% | $292.8M |
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 15282) · FFIEC NIC profile (RSSD 499743)