FVCbank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 5.2% from Q1 2026 to Q2 2026, ending at $178.7M against $169.8M. It was the largest change among the key lines on this page. FVCbank ranks 18th of 44 Virginia banks on CET1 ratio, in the upper half at 15.41% (Q2 2026). FVCbank reported 15.41% on CET1 ratio for Q2 2026, 1.91 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.41% |
| Tier 1 risk-based capital ratio | 15.41% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 12.94% |
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 | $289.4M |
| Tier 1 capital | $289.4M |
| Total risk-based capital | $309.1M |
| Total equity capital | $279.7M |
| Risk-weighted assets | $1.88B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.84% |
| Tangible equity to tangible assets | 11.57% |
| Equity capital to average assets | 12.46% |
| Internal capital growth rate | 13.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $32.5M |
| Common stock surplus | $87.1M |
| Retained earnings | $178.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.5M |
| 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 | 12.92% | 12.92% | 13.93% | 10.62% | $1.92B |
| Q4 2023 | 12.80% | 12.80% | 13.83% | 10.77% | $1.89B |
| Q1 2024 | 13.01% | 13.01% | 14.05% | 11.18% | $1.87B |
| Q2 2024 | 13.09% | 13.09% | 14.13% | 11.31% | $1.90B |
| Q3 2024 | 13.48% | 13.48% | 14.52% | 11.49% | $1.88B |
| Q4 2024 | 13.74% | 13.74% | 14.73% | 11.74% | $1.88B |
| Q1 2025 | 14.07% | 14.07% | 15.07% | 11.92% | $1.88B |
| Q2 2025 | 14.29% | 14.29% | 15.28% | 11.97% | $1.88B |
| Q3 2025 | 14.78% | 14.78% | 15.77% | 12.13% | $1.85B |
| Q4 2025 | 14.37% | 14.37% | 15.38% | 12.23% | $1.93B |
| Q1 2026 | 14.83% | 14.83% | 15.86% | 12.61% | $1.89B |
| Q2 2026 | 15.41% | 15.41% | 16.46% | 12.94% | $1.88B |
FVCbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FVCbank, 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 FVCbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58696) · FFIEC NIC profile (RSSD 3614976)