<?xml version="1.0" encoding="us-ascii"?><InstanceReport xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><Version>2.4.0.8</Version><ReportLongName>1090 - Disclosure - Capital</ReportLongName><DisplayLabelColumn>true</DisplayLabelColumn><ShowElementNames>false</ShowElementNames><RoundingOption /><HasEmbeddedReports>false</HasEmbeddedReports><Columns><Column FlagID="0"><Id>1</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelSeparator>

</LabelSeparator><CurrencyCode /><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName /><CurrencySymbol /><contextRef><ContextID>D2013Q2YTD</ContextID><EntitySchema>http://www.sec.gov/CIK</EntitySchema><EntityValue>0000921547</EntityValue><PeriodDisplayName /><PeriodType>duration</PeriodType><PeriodStartDate>2013-01-01T00:00:00</PeriodStartDate><PeriodEndDate>2013-06-30T00:00:00</PeriodEndDate><Segments /><Scenarios /></contextRef><UPS /><CurrencyCode /><OriginalCurrencyCode /></MCU><CurrencySymbol /><Labels><Label Key="CalendarSupplement" Id="0" Label="6 Months Ended" /><Label Key="Calendar" Id="1" Label="Jun. 30, 2013" /></Labels></Column></Columns><Rows><Row FlagID="0"><Id>1</Id><IsAbstractGroupTitle>true</IsAbstractGroupTitle><LabelSeparator>

</LabelSeparator><Level>1</Level><ElementName>us-gaap_BankingAndThriftAbstract</ElementName><ElementPrefix>us-gaap_</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsCalendarTitle>false</IsCalendarTitle><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><FootnoteIndexer /><Cells><Cell FlagID="0" ContextID="" UnitID=""><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat></Cell></Cells><ElementDataType>xbrli:stringItemType</ElementDataType><SimpleDataType>string</SimpleDataType><IsTotalLabel>false</IsTotalLabel><UnitID>0</UnitID><Label>Capital</Label></Row><Row FlagID="0"><Id>2</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelSeparator>

</LabelSeparator><Level>2</Level><ElementName>heop_CapitalRequirementsOfActualRegulatoryRatiosAndRegulatoryStandardsUnderBankingRegulationsTextBlock</ElementName><ElementPrefix>heop_</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsCalendarTitle>false</IsCalendarTitle><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terseLabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell FlagID="0" ContextID="D2013Q2YTD" UnitID=""><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&lt;div style="font-size:10.0pt;font-family:Times New Roman;"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 16pt; FONT-WEIGHT: bold;" size="5"&gt;Note 9.&amp;#160; Capital&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt;"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 10pt;" size="2"&gt;The following table sets forth the Company&amp;#8217;s and the Bank&amp;#8217;s actual regulatory ratios and the regulatory standards:&lt;/font&gt;&lt;/p&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;
&lt;table style="text-align:left;WIDTH: 100%; BORDER-COLLAPSE: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%"&gt;

&lt;tr style="padding:0;"&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 33.34%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="33%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt 2.15pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 20.7%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="20%" colspan="3"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Regulatory Standard&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 20.72%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="20%" colspan="3"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;June&amp;#160;30, 2013&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 20.72%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="20%" colspan="3"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;December&amp;#160;31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="padding:0;"&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 33.34%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="33%"&gt;
&lt;p style="MARGIN: 1pt 0in 0pt 2.15pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 1pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 1pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Adequately&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 1pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 1pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Well&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 1pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 20.72%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="20%" colspan="3"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 1pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Heritage Oaks&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 1pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 20.72%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="20%" colspan="3"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 1pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Heritage Oaks&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="padding:0;"&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 33.34%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="33%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt 2.15pt;"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Capitalized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Capitalized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Bancorp&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Bank&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Bancorp&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;b&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt; FONT-WEIGHT: bold;" size="1"&gt;Bank&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="padding:0;"&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 33.34%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="33%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt 2.15pt;"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;Leverage ratio&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;4.00%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;5.00%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;12.60%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;12.26%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;12.32%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 0in 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;11.93%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="padding:0;"&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 33.34%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="33%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt 2.15pt;"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;Tier I capital to risk weighted assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;4.00%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;6.00%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;15.77%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;15.31%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;15.55%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;15.02%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="padding:0;"&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 33.34%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="33%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt 2.15pt;"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;Total risk based capital to risk weighted assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;8.00%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;10.00%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.5%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;17.03%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;16.57%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;16.81%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 1.52%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="1%"&gt;
&lt;p style="MARGIN: 2pt 0in 0pt;"&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;
&lt;td style="PADDING-BOTTOM: 0.7pt; PADDING-LEFT: 0in; WIDTH: 9.6%; PADDING-RIGHT: 0in; PADDING-TOP: 0in;" valign="bottom" width="9%"&gt;
&lt;p style="TEXT-ALIGN: center; MARGIN: 2pt 0in 0pt;" align="center"&gt;&lt;font style="FONT-FAMILY: Arial; FONT-SIZE: 8pt;" size="1"&gt;16.28%&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
&lt;/div&gt;</NonNumbericText><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat></Cell></Cells><ElementDataType>nonnum:textBlockItemType</ElementDataType><SimpleDataType>na</SimpleDataType><ElementDefenition>Represents the entire disclosure for banking regulation related to actual regulatory ratios and the regulatory standards.</ElementDefenition><ElementReferences>No definition available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><UnitID>0</UnitID><Label>Capital</Label></Row></Rows><Footnotes /><IsEquityReport>false</IsEquityReport><ReportName>Capital</ReportName><MonetaryRoundingLevel>UnKnown</MonetaryRoundingLevel><SharesRoundingLevel>UnKnown</SharesRoundingLevel><PerShareRoundingLevel>UnKnown</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>true</HasCustomUnits><IsEmbedReport>false</IsEmbedReport><IsMultiCurrency>false</IsMultiCurrency><ReportType>Sheet</ReportType><RoleURI>http://www.heritageoaksbancorp.com/role/DisclosureCapital</RoleURI><NumberOfCols>1</NumberOfCols><NumberOfRows>2</NumberOfRows></InstanceReport>
