The Juniata 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 Accumulated other comprehensive income, which rose 4.4% to -$25.1M. The Juniata Valley Bank ranks 63rd of 72 Pennsylvania banks on CET1 ratio, in the lower half at 11.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Juniata Valley Bank sits 3.46 points lower, at 11.61% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.61% |
| Tier 1 risk-based capital ratio | 11.61% |
| Total risk-based capital ratio | 12.76% |
| Tier 1 leverage ratio | 8.56% |
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 | $77.1M |
| Tier 1 capital | $77.1M |
| Total risk-based capital | $84.7M |
| Total equity capital | $61.5M |
| Risk-weighted assets | $663.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.70% |
| Tangible equity to tangible assets | 5.68% |
| Equity capital to average assets | 6.76% |
| Internal capital growth rate | 9.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $821K |
| Common stock surplus | $36.2M |
| Retained earnings | $49.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.1M |
| 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 | 12.09% | 12.09% | 13.07% | 8.20% | $570.9M |
| Q4 2023 | 11.72% | 11.72% | 12.68% | 8.17% | $591.2M |
| Q1 2024 | 11.69% | 11.69% | 12.67% | 8.12% | $595.7M |
| Q2 2024 | 11.58% | 11.58% | 12.56% | 8.05% | $597.3M |
| Q3 2024 | 11.74% | 11.74% | 12.77% | 8.17% | $594.0M |
| Q4 2024 | 11.74% | 11.74% | 12.78% | 8.26% | $597.8M |
| Q1 2025 | 11.96% | 11.96% | 13.02% | 8.43% | $595.3M |
| Q2 2025 | 11.81% | 11.81% | 12.90% | 8.45% | $610.4M |
| Q3 2025 | 11.89% | 11.89% | 13.00% | 8.41% | $614.9M |
| Q4 2025 | 11.44% | 11.44% | 12.53% | 8.36% | $647.3M |
| Q1 2026 | 11.67% | 11.67% | 12.79% | 8.53% | $649.2M |
| Q2 2026 | 11.61% | 11.61% | 12.76% | 8.56% | $663.7M |
The Juniata Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Juniata 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 The Juniata Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7614) · FFIEC NIC profile (RSSD 215710)