The Freedom Bank of 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%.
Equity capital to average assets rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 9.81% against 9.47%. It was the largest change among the key lines on this page. Within Virginia, The Freedom Bank of Virginia is 28th of 44 on CET1 ratio, 13.66% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; The Freedom Bank of Virginia reported 13.66% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.66% |
| Tier 1 risk-based capital ratio | 13.66% |
| Total risk-based capital ratio | 14.63% |
| Tier 1 leverage ratio | 11.06% |
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 | $117.1M |
| Tier 1 capital | $117.1M |
| Total risk-based capital | $125.4M |
| Total equity capital | $104.1M |
| Risk-weighted assets | $857.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.03% |
| Tangible equity to tangible assets | 10.02% |
| Equity capital to average assets | 9.81% |
| Internal capital growth rate | 2.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $72K |
| Common stock surplus | $76.5M |
| Retained earnings | $41.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.2M |
| 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 | 13.26% | 13.26% | 14.10% | 10.64% | $869.7M |
| Q4 2023 | 12.65% | 12.65% | 13.83% | 10.26% | $898.8M |
| Q1 2024 | 12.92% | 12.92% | 14.01% | 10.26% | $881.9M |
| Q2 2024 | 13.09% | 13.09% | 14.04% | 10.28% | $876.7M |
| Q3 2024 | 13.21% | 13.21% | 14.22% | 10.23% | $874.2M |
| Q4 2024 | 13.57% | 13.57% | 14.35% | 10.39% | $862.7M |
| Q1 2025 | 14.14% | 14.14% | 14.95% | 10.76% | $837.5M |
| Q2 2025 | 14.30% | 14.30% | 15.20% | 10.66% | $831.8M |
| Q3 2025 | 14.64% | 14.64% | 15.53% | 11.23% | $823.3M |
| Q4 2025 | 13.84% | 13.84% | 15.09% | 11.05% | $837.8M |
| Q1 2026 | 13.50% | 13.50% | 14.42% | 10.70% | $860.2M |
| Q2 2026 | 13.66% | 13.66% | 14.63% | 11.06% | $857.3M |
The Freedom Bank of Virginia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Freedom Bank of 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 The Freedom Bank of Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57184) · FFIEC NIC profile (RSSD 3019982)