Oklahoma Heritage Bank: Regulatory Capital and Risk-Weighted Assets
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As of 1Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.55% (1Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 4.55% (RCOAH311).
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.
Common equity Tier 1 ratio 11.41% +4.91 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $8.0M | 7,969 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $69.8M | 69,836 | RCOAA223 |
| Recomputed ratio | 11.41% | numerator / denominator | |
| Filed ratio | 11.41% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.91 pp | $3.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.41% +3.41 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $8.0M | 7,969 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $69.8M | 69,836 | RCOAA223 |
| Recomputed ratio | 11.41% | numerator / denominator | |
| Filed ratio | 11.41% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.41 pp | $2.4M | capital that could be lost first |
Total risk-based capital ratio 12.55% +2.55 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $8.8M | 8,761 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $69.8M | 69,836 | RCOAA223 |
| Recomputed ratio | 12.55% | numerator / denominator | |
| Filed ratio | 12.55% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.55 pp | $1.8M | capital that could be lost first |
Tier 1 leverage ratio 8.21% +3.21 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $8.0M | 7,969 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $97.0M | 97,010 | RCOAA224 |
| Recomputed ratio | 8.21% | numerator / denominator | |
| Filed ratio | 8.21% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.21 pp | $3.1M | 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 | 11,181 | 11,181 | 11,181 | 983 | 983 | RCOAP742 |
| Retained earnings | (699) | (702) | (740) | 8,690 | 8,624 | RCOAKW00 |
| Accumulated other comprehensive income | 219 | 205 | 189 | (358) | (354) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 10,701 | 10,684 | 10,630 | 9,315 | 9,253 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,732) | (2,786) | (2,838) | 358 | 354 | P859 - P840 |
| Common equity Tier 1 capital | 7,969 | 7,898 | 7,792 | 9,673 | 9,607 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 7,969 | 7,898 | 7,792 | 9,673 | 9,607 | RCOA8274 |
| Tier 2 capital | 792 | 826 | 824 | NA | NA | RCOA5311 |
| Allowance includable in Tier 2 capital | 792 | 826 | 824 | NA | NA | RCOA5310 |
| Total capital | 8,761 | 8,724 | 8,616 | NA | NA | RCOA3792 |
| Total risk-weighted assets | 69,836 | 73,013 | 76,167 | NA | NA | RCOAA223 |
| Average total assets for the leverage ratio | 97,010 | 99,999 | 101,692 | 99,245 | 100,334 | RCOAA224 |
Risk-weighted assets by exposure category, 1Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $12.7M | $377K | 2.97% | 0.54% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $8.3M | $3.2M | 38.24% | 4.53% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $1.9M | $380K | 20.00% | 0.54% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $18.3M | $9.2M | 50.44% | 13.24% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $171K | $171K | 100.00% | 0.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $44.5M | $44.5M | 100.00% | 63.77% | RC-R Part II, item 4.d, 5.d |
| All other assets | $12.0M | $11.5M | 95.40% | 16.44% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $482K | $482K | 100.00% | 0.69% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | -$400 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $69.8M | ties to item 31 ($69.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $69.8M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $4K | 3128 |
| Total risk-weighted assets | $69.8M | RCONG641, ties |
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 | Risk-based | 11.41% | 11.41% | 12.55% | 8.21% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 10.82% | 10.82% | 11.95% | 7.90% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 10.23% | 10.23% | 11.31% | 7.66% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 9.75% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 9.57% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 9.39% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 9.71% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 9.32% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | 12.25% | 12.25% | 13.29% | 8.95% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | 11.65% | 11.65% | 12.63% | 8.76% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | 11.31% | 11.31% | 12.42% | 8.70% | 20.70% | 20.70% | 21.86% | 12.73% |
| 2Q23 | Risk-based | 11.49% | 11.49% | 12.62% | 8.77% | 19.90% | 19.90% | 21.11% | 12.34% |
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 |
|---|---|---|---|---|---|---|
| Oklahoma Heritage Bank (this bank) | Risk-based | 11.41% | 11.41% | 12.55% | 8.21% | |
| The First Central National Bank of Saint Paris | $97.0M | Risk-based | 28.62% | 28.62% | 29.40% | 18.96% |
| BANK47 | $97.0M | CBLR | NA | NA | NA | 13.50% |
| Port Richmond Savings | $97.2M | CBLR | NA | NA | NA | 22.20% |
| Genesis Bank | $97.2M | CBLR | NA | NA | NA | 15.55% |
| United Security Bank | $97.2M | CBLR | NA | NA | NA | 12.68% |
| Senath State Bank | $97.3M | CBLR | NA | NA | NA | 14.83% |
| The Citizens State Bank of Cheney, Kansas | $96.7M | CBLR | NA | NA | NA | 11.15% |
| American Exchange Bank, Lindsay, Oklahoma | $97.4M | CBLR | NA | NA | NA | 11.30% |
| Peer 25th percentile | NA | NA | NA | 12.34% | ||
| Peer median | 28.62% | 28.62% | 29.40% | 14.16% | ||
| Peer 75th percentile | NA | NA | NA | 16.40% | ||
| This bank's percentile | NA | NA | NA | 0 |
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/709956/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.