Bankvista: 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 18.5% in Q2 2026, from -$1.1M to -$901K. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Bankvista is 136th of 161 on CET1 ratio, 11.54% as of Q2 2026, below the middle of the field. Bankvista reported 11.54% on CET1 ratio for Q2 2026, 3.53 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.54% |
| Tier 1 risk-based capital ratio | 11.54% |
| Total risk-based capital ratio | 12.80% |
| Tier 1 leverage ratio | 9.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $64.5M |
| Tier 1 capital | $64.5M |
| Total risk-based capital | $71.5M |
| Total equity capital | $63.6M |
| Risk-weighted assets | $558.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.77% |
| Tangible equity to tangible assets | 9.77% |
| Equity capital to average assets | 9.79% |
| Internal capital growth rate | 13.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $40.0M |
| Retained earnings | $24.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$901K |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.37% | 11.37% | 12.63% | 9.98% | $477.6M |
| Q4 2023 | 11.19% | 11.19% | 12.45% | 9.90% | $498.2M |
| Q1 2024 | 10.97% | 10.97% | 12.22% | 9.41% | $500.3M |
| Q2 2024 | 10.95% | 10.95% | 12.20% | 9.36% | $509.3M |
| Q3 2024 | 11.26% | 11.26% | 12.52% | 9.39% | $504.4M |
| Q4 2024 | 10.92% | 10.92% | 12.18% | 9.55% | $524.9M |
| Q1 2025 | 11.41% | 11.41% | 12.67% | 9.35% | $501.5M |
| Q2 2025 | 11.12% | 11.12% | 12.37% | 9.48% | $526.4M |
| Q3 2025 | 11.23% | 11.23% | 12.48% | 9.49% | $535.2M |
| Q4 2025 | 11.38% | 11.38% | 12.64% | 9.80% | $543.1M |
| Q1 2026 | 11.35% | 11.35% | 12.60% | 9.85% | $550.4M |
| Q2 2026 | 11.54% | 11.54% | 12.80% | 9.93% | $558.7M |
Bankvista regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankvista, 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 Bankvista profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35406) · FFIEC NIC profile (RSSD 2849285)