Southern Heritage Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
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 10.54% +1.54 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 | $42.8M | 42,817 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $406.4M | 406,372 | RCOAA224 |
| Recomputed ratio | 10.54% | numerator / denominator | |
| Filed ratio | 10.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.54 pp | $6.2M | 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 | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 14,317 | RCOAP742 |
| Retained earnings | 27,817 | 28,090 | 27,137 | 26,724 | 25,609 | 25,986 | RCOAKW00 |
| Accumulated other comprehensive income | (4,899) | (5,003) | (4,754) | (5,041) | (6,036) | (6,536) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 37,918 | 38,087 | 37,383 | 36,683 | 34,573 | 33,767 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,899 | 5,003 | 4,754 | 5,041 | 6,036 | 6,536 | P859 - P840 |
| Common equity Tier 1 capital | 42,817 | 43,090 | 42,137 | 41,724 | 40,609 | 40,303 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 42,817 | 43,090 | 42,137 | 41,724 | 40,609 | 40,303 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 406,372 | 407,601 | 403,518 | 401,704 | 401,062 | 392,904 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.54% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.57% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.44% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.39% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.13% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.26% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.39% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.36% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.12% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.26% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.74% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.51% | 14.65% | 14.67% | 15.79% | 10.60% |
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, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Southern Heritage Bank (this bank) | CBLR | NA | NA | NA | 10.54% | |
| First Sentinel Bank | $398.0M | Risk-based | 12.76% | 12.76% | 13.87% | 10.02% |
| Mutual Savings Association | $398.6M | Risk-based | 31.86% | 31.86% | 32.95% | 23.84% |
| Bank of St. Francisville | $398.7M | CBLR | NA | NA | NA | 9.87% |
| Volunteer Federal Savings Bank | $397.1M | Risk-based | 22.55% | 22.55% | 23.17% | 11.23% |
| The Citizens National Bank of Park Rapids | $397.0M | CBLR | NA | NA | NA | 11.70% |
| The Shelby State Bank | $397.0M | Risk-based | 13.75% | 13.75% | 14.75% | 9.06% |
| Union Bank | $396.7M | Risk-based | 9.77% | 9.77% | 10.96% | 8.83% |
| Liberty Bank N.A. | $399.2M | Risk-based | 19.38% | 19.38% | 20.63% | 14.44% |
| Community Bank of Santa Maria | $396.5M | CBLR | NA | NA | NA | 10.49% |
| The Clinton National Bank | $396.4M | CBLR | NA | NA | NA | 13.44% |
| Peer 25th percentile | 13.01% | 13.01% | 14.09% | 9.91% | ||
| Peer median | 16.57% | 16.57% | 17.69% | 10.86% | ||
| Peer 75th percentile | 21.76% | 21.76% | 22.54% | 13.00% | ||
| This bank's percentile | NA | NA | NA | 50 |
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/935559/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.