The Bank of Southside Virginia: 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 climbed 1.42 percentage points in Q2 2026, from 19.76% to 21.18%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 23.38% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $154.8M |
| Tier 1 capital | $154.8M |
| Total risk-based capital | — |
| Total equity capital | $140.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.89% |
| Tangible equity to tangible assets | 20.89% |
| Equity capital to average assets | 21.18% |
| Internal capital growth rate | 28.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $291K |
| Common stock surplus | $2.0M |
| Retained earnings | $152.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.8M |
| 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 |
|---|---|---|---|
| Q3 2023 | 18.29% | 14.43% | 14.43% |
| Q4 2023 | 18.32% | 15.62% | 15.62% |
| Q1 2024 | 18.67% | 16.09% | 16.09% |
| Q2 2024 | 19.03% | 16.19% | 16.19% |
| Q3 2024 | 19.39% | 17.62% | 17.62% |
| Q4 2024 | 19.35% | 16.72% | 16.72% |
| Q1 2025 | 19.98% | 17.73% | 17.73% |
| Q2 2025 | 20.80% | 18.29% | 18.29% |
| Q3 2025 | 21.54% | 19.43% | 19.43% |
| Q4 2025 | 21.87% | 19.61% | 19.61% |
| Q1 2026 | 22.34% | 20.34% | 20.34% |
| Q2 2026 | 23.38% | 20.89% | 20.89% |
The Bank of Southside Virginia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Southside Virginia, 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 Southside Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11580) · FFIEC NIC profile (RSSD 610128)