Golden Valley 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.8% to $380.9M. Golden Valley Bank ranks 39th of 74 California banks on CET1 ratio, in the lower half at 14.65% (Q2 2026). At 14.65%, Golden Valley Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.65% |
| Tier 1 risk-based capital ratio | 14.65% |
| Total risk-based capital ratio | 15.90% |
| Tier 1 leverage ratio | 9.32% |
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 | $55.8M |
| Tier 1 capital | $55.8M |
| Total risk-based capital | $60.6M |
| Total equity capital | $47.9M |
| Risk-weighted assets | $380.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.92% |
| Tangible equity to tangible assets | 7.92% |
| Equity capital to average assets | 8.00% |
| Internal capital growth rate | 2.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $18.7M |
| Common stock surplus | $3.9M |
| Retained earnings | $33.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 15.30% | 15.30% | 16.55% | 9.33% | $315.9M |
| Q4 2023 | 16.02% | 16.02% | 17.27% | 9.59% | $307.6M |
| Q1 2024 | 16.30% | 16.30% | 17.55% | 9.87% | $307.0M |
| Q2 2024 | 16.43% | 16.43% | 17.68% | 10.10% | $309.5M |
| Q3 2024 | 16.89% | 16.89% | 18.14% | 10.10% | $306.4M |
| Q4 2024 | 16.69% | 16.69% | 17.94% | 9.76% | $315.1M |
| Q1 2025 | 16.62% | 16.62% | 17.87% | 9.50% | $321.9M |
| Q2 2025 | 15.42% | 15.42% | 16.67% | 8.87% | $334.5M |
| Q3 2025 | 15.40% | 15.40% | 16.65% | 9.05% | $343.3M |
| Q4 2025 | 15.08% | 15.08% | 16.33% | 9.09% | $359.0M |
| Q1 2026 | 15.41% | 15.41% | 16.66% | 9.28% | $359.9M |
| Q2 2026 | 14.65% | 14.65% | 15.90% | 9.32% | $380.9M |
Golden Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Valley 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 Golden Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58278) · FFIEC NIC profile (RSSD 3440803)