Madison 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 10.5% higher than in Q1 2026, at -$1.3M. Within Montana, Madison Valley Bank is 10th of 21 on CET1 ratio, 14.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Madison Valley Bank sits 0.55 points lower, at 14.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.52% |
| Tier 1 risk-based capital ratio | 14.52% |
| Total risk-based capital ratio | 15.77% |
| Tier 1 leverage ratio | 9.24% |
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 | $24.9M |
| Tier 1 capital | $24.9M |
| Total risk-based capital | $27.0M |
| Total equity capital | $23.6M |
| Risk-weighted assets | $171.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.95% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | 6.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $405K |
| Common stock surplus | $19.6M |
| Retained earnings | $4.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 12.98% | 12.98% | 14.23% | 8.85% | $175.1M |
| Q4 2023 | 13.11% | 13.11% | 14.36% | 8.81% | $175.3M |
| Q1 2024 | 13.54% | 13.54% | 14.79% | 8.87% | $174.3M |
| Q2 2024 | 13.33% | 13.33% | 14.58% | 8.89% | $176.3M |
| Q3 2024 | 13.33% | 13.33% | 14.58% | 8.91% | $177.2M |
| Q4 2024 | 13.40% | 13.40% | 14.65% | 8.74% | $175.6M |
| Q1 2025 | 13.82% | 13.82% | 15.07% | 9.08% | $173.6M |
| Q2 2025 | 13.69% | 13.69% | 14.94% | 8.85% | $174.8M |
| Q3 2025 | 13.94% | 13.94% | 15.19% | 8.82% | $173.6M |
| Q4 2025 | 14.06% | 14.06% | 15.31% | 8.74% | $172.6M |
| Q1 2026 | 14.39% | 14.39% | 15.64% | 9.26% | $170.5M |
| Q2 2026 | 14.52% | 14.52% | 15.77% | 9.24% | $171.5M |
Madison Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison 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 Madison Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19544) · FFIEC NIC profile (RSSD 596455)