Golden Valley Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.90% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.90% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 14.65% +8.15 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $55.8M | 55,818 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $380.9M | 380,921 | RCOAA223 |
| Recomputed ratio | 14.65% | numerator / denominator | |
| Filed ratio | 14.65% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.15 pp | $31.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.65% +6.65 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $55.8M | 55,818 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $380.9M | 380,921 | RCOAA223 |
| Recomputed ratio | 14.65% | numerator / denominator | |
| Filed ratio | 14.65% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.65 pp | $25.3M | capital that could be lost first |
Total risk-based capital ratio 15.90% +5.90 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $60.6M | 60,579 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $380.9M | 380,921 | RCOAA223 |
| Recomputed ratio | 15.90% | numerator / denominator | |
| Filed ratio | 15.90% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.90 pp | $22.5M | capital that could be lost first |
Tier 1 leverage ratio 9.32% +4.32 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $55.8M | 55,818 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $598.6M | 598,616 | RCOAA224 |
| Recomputed ratio | 9.32% | numerator / denominator | |
| Filed ratio | 9.32% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.32 pp | $25.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 22,557 | 22,547 | 22,539 | 22,532 | 22,523 | 22,516 | RCOAP742 |
| Retained earnings | 33,261 | 32,930 | 31,584 | 30,336 | 29,055 | 30,970 | RCOAKW00 |
| Accumulated other comprehensive income | (7,937) | (7,964) | (7,166) | (8,048) | (9,270) | (10,112) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 47,881 | 47,513 | 46,957 | 44,820 | 42,308 | 43,374 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 7,937 | 7,964 | 7,166 | 8,048 | 9,270 | 10,112 | P859 - P840 |
| Common equity Tier 1 capital | 55,818 | 55,477 | 54,123 | 52,868 | 51,578 | 53,486 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 55,818 | 55,477 | 54,123 | 52,868 | 51,578 | 53,486 | RCOA8274 |
| Tier 2 capital | 4,761 | 4,501 | 4,490 | 4,292 | 4,182 | 4,025 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,761 | 4,501 | 4,490 | 4,292 | 4,182 | 4,025 | RCOA5310 |
| Total capital | 60,579 | 59,978 | 58,613 | 57,160 | 55,760 | 57,511 | RCOA3792 |
| Total risk-weighted assets | 380,921 | 359,933 | 359,006 | 343,325 | 334,512 | 321,907 | RCOAA223 |
| Average total assets for the leverage ratio | 598,616 | 597,561 | 595,617 | 583,902 | 581,697 | 563,223 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $35.8M | $2.1M | 5.79% | 0.54% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $259.5M | $56.2M | 21.67% | 14.76% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $12.8M | $2.6M | 20.00% | 0.67% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $53.7M | $38.9M | 72.43% | 10.22% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $242.1M | $242.1M | 100.00% | 63.54% | RC-R Part II, item 4.d, 5.d |
| All other assets | $16.1M | $13.2M | 82.04% | 3.47% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $25.3M | $25.3M | 100.00% | 6.64% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $616K | NA | 0.16% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $380.3M | ties to item 31 ($380.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $380.9M | RCONB704 |
| Less: excess allowance for credit losses | $10K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $380.9M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 14.65% | 14.65% | 15.90% | 9.32% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.41% | 15.41% | 16.66% | 9.28% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.08% | 15.08% | 16.33% | 9.09% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.40% | 15.40% | 16.65% | 9.05% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.42% | 15.42% | 16.67% | 8.87% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 16.62% | 16.62% | 17.87% | 9.50% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 16.69% | 16.69% | 17.94% | 9.76% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 16.89% | 16.89% | 18.14% | 10.10% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 16.43% | 16.43% | 17.68% | 10.10% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.30% | 16.30% | 17.55% | 9.87% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 16.02% | 16.02% | 17.27% | 9.59% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.30% | 15.30% | 16.55% | 9.33% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Golden Valley Bank (this bank) | Risk-based | 14.65% | 14.65% | 15.90% | 9.32% | |
| American Heritage National Bank | $604.7M | Risk-based | 17.48% | 17.48% | 18.73% | 11.89% |
| Range Bank | $604.1M | Risk-based | 15.85% | 15.85% | 17.09% | 10.84% |
| First Federal Community Bank, SSB | $603.6M | CBLR | NA | NA | NA | 13.10% |
| Partners Bank of California | $602.2M | Risk-based | 13.70% | 13.70% | 14.96% | 11.67% |
| Wisdom Heritage Bank | $601.3M | Risk-based | 20.69% | 20.69% | 21.82% | 14.22% |
| Washington State Bank | $601.1M | Risk-based | 20.40% | 20.40% | 21.65% | 12.48% |
| Frontier State Bank | $608.6M | CBLR | NA | NA | NA | 11.54% |
| Hearthside Bank Corporation | $608.9M | Risk-based | 14.27% | 14.27% | 15.52% | 10.07% |
| The Maries County Bank | $600.5M | CBLR | NA | NA | NA | 14.83% |
| Peer 25th percentile | 14.66% | 14.66% | 15.91% | 11.54% | ||
| Peer median | 16.66% | 16.66% | 17.91% | 11.89% | ||
| Peer 75th percentile | 19.67% | 19.67% | 20.92% | 13.10% | ||
| This bank's percentile | 33 | 33 | 33 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3440803/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.