The Bank of Vernon: 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%.
Accumulated other comprehensive income climbed 7.6% in Q2 2026, from -$2.9M to -$2.7M. 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 | 16.60% |
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 | $72.8M |
| Tier 1 capital | $72.8M |
| Total risk-based capital | — |
| Total equity capital | $70.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.73% |
| Tangible equity to tangible assets | 15.73% |
| Equity capital to average assets | 15.98% |
| Internal capital growth rate | 4.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $32.4M |
| Retained earnings | $38.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 19.47% | 16.71% | 16.71% |
| Q4 2023 | 18.66% | 16.98% | 16.98% |
| Q1 2024 | 18.57% | 16.78% | 16.78% |
| Q2 2024 | 18.51% | 17.05% | 17.05% |
| Q3 2024 | 18.41% | 16.70% | 16.70% |
| Q4 2024 | 17.81% | 16.40% | 16.40% |
| Q1 2025 | 17.92% | 16.57% | 16.57% |
| Q2 2025 | 17.97% | 16.43% | 16.43% |
| Q3 2025 | 17.77% | 16.64% | 16.64% |
| Q4 2025 | 17.23% | 16.31% | 16.31% |
| Q1 2026 | 17.09% | 16.15% | 16.15% |
| Q2 2026 | 16.60% | 15.73% | 15.73% |
The Bank of Vernon regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Vernon, 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 Vernon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 51) · FFIEC NIC profile (RSSD 382537)