Bayvanguard Bank: 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.76 percentage points higher than in Q1 2026, at 18.72%. On CET1 ratio, Bayvanguard Bank ranks 3rd highest among the 20 banks headquartered in Maryland, at 22.40% (Q2 2026). Bayvanguard Bank reported 22.40% on CET1 ratio for Q2 2026, 7.33 points above 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 | 22.40% |
| Tier 1 risk-based capital ratio | 22.40% |
| Total risk-based capital ratio | 23.34% |
| Tier 1 leverage ratio | 17.13% |
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 | $150.6M |
| Tier 1 capital | $150.6M |
| Total risk-based capital | $157.0M |
| Total equity capital | $162.6M |
| Risk-weighted assets | $672.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.72% |
| Tangible equity to tangible assets | 17.90% |
| Equity capital to average assets | 18.22% |
| Internal capital growth rate | -0.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $90.2M |
| Retained earnings | $79.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 23.63% | 23.63% | 24.86% | 17.40% | $672.6M |
| Q4 2023 | 24.00% | 24.00% | 25.26% | 18.50% | $675.4M |
| Q1 2024 | 23.94% | 23.94% | 25.19% | 19.26% | $692.3M |
| Q2 2024 | 24.22% | 24.22% | 25.47% | 19.19% | $688.6M |
| Q3 2024 | 25.17% | 25.17% | 26.39% | 19.62% | $675.8M |
| Q4 2024 | 24.24% | 24.24% | 25.49% | 19.83% | $708.6M |
| Q1 2025 | 24.07% | 24.07% | 25.32% | 19.39% | $720.7M |
| Q2 2025 | 24.45% | 24.45% | 25.70% | 19.75% | $716.0M |
| Q3 2025 | 25.54% | 25.54% | 26.75% | 19.97% | $694.3M |
| Q4 2025 | 21.13% | 21.13% | 22.06% | 16.44% | $699.8M |
| Q1 2026 | 21.27% | 21.27% | 22.20% | 16.81% | $704.1M |
| Q2 2026 | 22.40% | 22.40% | 23.34% | 17.13% | $672.5M |
Bayvanguard Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bayvanguard Bank, 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 Bayvanguard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32527) · FFIEC NIC profile (RSSD 242976)