The Bank of Southside Virginia: 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 23.38% +14.38 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 | $154.8M | 154,829 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $662.4M | 662,362 | RCOAA224 |
| Recomputed ratio | 23.38% | numerator / denominator | |
| Filed ratio | 23.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +14.38 pp | $95.2M | 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 | 2,291 | 2,291 | 2,291 | 2,291 | 2,291 | 2,290 | RCOAP742 |
| Retained earnings | 152,539 | 143,249 | 140,441 | 141,121 | 138,246 | 135,057 | RCOAKW00 |
| Accumulated other comprehensive income | (14,817) | (17,066) | (15,058) | (17,146) | (21,577) | (19,611) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 140,013 | 128,474 | 127,674 | 126,266 | 118,960 | 117,736 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 14,816 | 17,066 | 15,057 | 17,145 | 21,577 | 19,611 | P859 - P840 |
| Common equity Tier 1 capital | 154,829 | 145,540 | 142,731 | 143,411 | 140,537 | 137,347 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 154,829 | 145,540 | 142,731 | 143,411 | 140,537 | 137,347 | 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 | 662,362 | 651,504 | 652,666 | 665,822 | 675,498 | 687,260 | 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 | 23.38% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 22.34% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 21.87% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 21.54% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 20.80% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 19.98% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 19.35% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 19.39% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 19.03% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 18.67% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 18.32% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 18.29% | 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 |
|---|---|---|---|---|---|---|
| The Bank of Southside Virginia (this bank) | CBLR | NA | NA | NA | 23.38% | |
| Citizens Bank of Kentucky, Inc | $669.9M | Risk-based | 23.49% | 23.49% | 24.74% | 13.51% |
| TXN Bank | $669.2M | CBLR | NA | NA | NA | 9.68% |
| First State Bank of Blakely | $668.2M | Risk-based | 27.02% | 27.02% | 28.27% | 19.19% |
| Pennian Bank | $667.9M | Risk-based | 15.27% | 15.27% | 16.52% | 9.24% |
| Community State Bank | $667.5M | CBLR | NA | NA | NA | 9.62% |
| Thumb Bank & Trust | $673.3M | CBLR | NA | NA | NA | 9.44% |
| Bank of Odessa | $667.1M | Risk-based | 24.51% | 24.51% | 25.77% | 13.67% |
| Peer 25th percentile | 21.44% | 21.44% | 22.69% | 9.53% | ||
| Peer median | 24.00% | 24.00% | 25.26% | 9.68% | ||
| Peer 75th percentile | 25.14% | 25.14% | 26.40% | 13.59% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/610128/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.