City National Bank of West 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%.
Retained earnings climbed 11.1% in Q2 2026, from $302.6M to $336.2M. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, City National Bank of West Virginia is 6th of 15 on CET1 ratio, 15.01% as of Q2 2026, above the middle of the field. City National Bank of West Virginia reported 15.01% on CET1 ratio for Q2 2026, 1.53 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.01% |
| Tier 1 risk-based capital ratio | 15.01% |
| Total risk-based capital ratio | 15.48% |
| Tier 1 leverage ratio | 9.65% |
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 | $646.0M |
| Tier 1 capital | $646.0M |
| Total risk-based capital | $666.4M |
| Total equity capital | $718.5M |
| Risk-weighted assets | $4.31B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.64% |
| Tangible equity to tangible assets | 8.51% |
| Equity capital to average assets | 10.49% |
| Internal capital growth rate | 19.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $619K |
| Common stock surplus | $463.5M |
| Retained earnings | $336.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$81.8M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.61% | — |
| Q4 2023 | 13.79% | 13.79% | 14.32% | 8.94% | $3.98B |
| Q1 2024 | 14.60% | 14.60% | 15.14% | 9.42% | $3.97B |
| Q2 2024 | 15.17% | 15.17% | 15.72% | 9.68% | $4.02B |
| Q3 2024 | 16.00% | 16.00% | 16.52% | 10.17% | $4.01B |
| Q4 2024 | 13.55% | 13.55% | 14.05% | 8.72% | $4.16B |
| Q1 2025 | 14.38% | 14.38% | 14.91% | 9.19% | $4.13B |
| Q2 2025 | 15.10% | 15.10% | 15.58% | 9.63% | $4.17B |
| Q3 2025 | 15.83% | 15.83% | 16.30% | 10.18% | $4.21B |
| Q4 2025 | 13.42% | 13.42% | 13.88% | 8.68% | $4.30B |
| Q1 2026 | 14.27% | 14.27% | 14.73% | 9.23% | $4.28B |
| Q2 2026 | 15.01% | 15.01% | 15.48% | 9.65% | $4.31B |
City National Bank of West Virginia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock City National Bank of West 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 City National Bank of West Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17735) · FFIEC NIC profile (RSSD 1011526)