Southwest Heritage 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%.
Compared with Q1 2026, Tangible equity to tangible assets rose 0.61 percentage points in Q2 2026 to 13.18%, the biggest move on this page. Within Arizona, Southwest Heritage Bank is 4th of 8 on CET1 ratio, 15.11% as of Q2 2026, above the middle of the field. At 15.11%, Southwest Heritage 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 | 15.11% |
| Tier 1 risk-based capital ratio | 15.11% |
| Total risk-based capital ratio | 16.25% |
| Tier 1 leverage ratio | 13.36% |
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 | $121.6M |
| Tier 1 capital | $121.6M |
| Total risk-based capital | $130.8M |
| Total equity capital | $122.3M |
| Risk-weighted assets | $804.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.70% |
| Tangible equity to tangible assets | 13.18% |
| Equity capital to average assets | 13.37% |
| Internal capital growth rate | 7.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $85.1M |
| Retained earnings | $41.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.9M |
| 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 | 14.00% | 14.00% | 15.26% | 11.80% | $493.8M |
| Q4 2023 | 13.57% | 13.57% | 14.79% | 11.66% | $501.4M |
| Q1 2024 | 10.40% | 10.40% | 11.65% | 8.78% | $826.4M |
| Q2 2024 | 12.36% | 12.36% | 13.61% | 10.58% | $796.7M |
| Q3 2024 | 13.03% | 13.03% | 14.28% | 10.98% | $774.2M |
| Q4 2024 | 13.74% | 13.74% | 15.00% | 11.06% | $744.6M |
| Q1 2025 | 13.56% | 13.56% | 14.81% | 11.10% | $759.6M |
| Q2 2025 | 14.18% | 14.18% | 15.44% | 11.86% | $773.3M |
| Q3 2025 | 14.29% | 14.29% | 15.54% | 12.26% | $795.0M |
| Q4 2025 | 14.17% | 14.17% | 15.42% | 12.90% | $815.6M |
| Q1 2026 | 14.71% | 14.71% | 15.93% | 13.16% | $801.8M |
| Q2 2026 | 15.11% | 15.11% | 16.25% | 13.36% | $804.7M |
Southwest Heritage Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Heritage 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 Southwest Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29087) · FFIEC NIC profile (RSSD 955977)