Cumberland Valley National Bank & Trust Company: 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 Accumulated other comprehensive income: 15.6% lower than in Q1 2026, at -$4.3M.
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 | 9.49% |
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 | $79.2M |
| Tier 1 capital | $79.2M |
| Total risk-based capital | — |
| Total equity capital | $74.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.17% |
| Tangible equity to tangible assets | 9.17% |
| Equity capital to average assets | 8.97% |
| Internal capital growth rate | 4.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $11.5M |
| Retained earnings | $66.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 13.20% | 13.20% | 14.39% | 9.61% | $532.0M |
| Q4 2023 | 13.06% | 13.06% | 14.31% | 9.62% | $542.1M |
| Q1 2024 | 13.08% | 13.08% | 14.29% | 9.74% | $546.8M |
| Q2 2024 | 13.14% | 13.14% | 14.37% | 9.85% | $553.4M |
| Q3 2024 | 12.72% | 12.72% | 13.90% | 9.91% | $581.5M |
| Q4 2024 | 12.96% | 12.96% | 14.17% | 9.63% | $578.3M |
| Q1 2025 | 13.12% | 13.12% | 14.35% | 9.56% | $582.5M |
| Q2 2025 | 12.54% | 12.54% | 13.76% | 9.29% | $596.6M |
| Q3 2025 | 12.48% | 12.48% | 13.69% | 9.48% | $611.8M |
| Q4 2025 | — | — | — | 9.53% | — |
| Q1 2026 | — | — | — | 9.44% | — |
| Q2 2026 | — | — | — | 9.49% | — |
Cumberland Valley National Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Valley National Bank & Trust Company, 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 Cumberland Valley National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2691) · FFIEC NIC profile (RSSD 647218)