The Bank of Grain Valley: 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%.
Equity capital to average assets fell 0.52 percentage points from Q2 2026 to Q3 2026, ending at 23.23% against 23.75%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 23.82% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $25.6M |
| Tier 1 capital | $25.6M |
| Total risk-based capital | — |
| Total equity capital | $25.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 22.99% |
| Tangible equity to tangible assets | 22.99% |
| Equity capital to average assets | 23.23% |
| Internal capital growth rate | 5.82% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $325K |
| Common stock surplus | $2.6M |
| Retained earnings | $22.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$634K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 20.33% | 19.65% | 19.65% |
| Q1 2024 | 21.52% | 20.98% | 20.98% |
| Q2 2024 | 22.27% | 20.73% | 20.73% |
| Q3 2024 | 22.36% | 21.43% | 21.43% |
| Q4 2024 | 21.72% | 20.98% | 20.98% |
| Q1 2025 | 22.08% | 21.36% | 21.36% |
| Q2 2025 | 22.56% | 22.26% | 22.26% |
| Q3 2025 | 23.29% | 23.60% | 23.60% |
| Q4 2025 | 23.02% | 22.62% | 22.62% |
| Q1 2026 | 23.49% | 23.83% | 23.83% |
| Q2 2026 | 23.96% | 22.63% | 22.63% |
| Q3 2026 | 23.82% | 22.99% | 22.99% |
The Bank of Grain Valley regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Grain Valley, 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 The Bank of Grain Valley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8564) · FFIEC NIC profile (RSSD 956554)