Madison Valley Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.77% (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: 7.77% (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 14.52% +8.02 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 | $24.9M | 24,897 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $171.5M | 171,516 | RCOAA223 |
| Recomputed ratio | 14.52% | numerator / denominator | |
| Filed ratio | 14.52% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.02 pp | $13.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.52% +6.52 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 | $24.9M | 24,897 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $171.5M | 171,516 | RCOAA223 |
| Recomputed ratio | 14.52% | numerator / denominator | |
| Filed ratio | 14.52% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.52 pp | $11.2M | capital that could be lost first |
Total risk-based capital ratio 15.77% +5.77 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 | $27.0M | 27,043 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $171.5M | 171,516 | RCOAA223 |
| Recomputed ratio | 15.77% | numerator / denominator | |
| Filed ratio | 15.77% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.77 pp | $9.9M | capital that could be lost first |
Tier 1 leverage ratio 9.24% +4.24 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 | $24.9M | 24,897 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $269.3M | 269,312 | RCOAA224 |
| Recomputed ratio | 9.24% | numerator / denominator | |
| Filed ratio | 9.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.24 pp | $11.4M | 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 | 20,000 | 20,000 | 20,000 | 20,000 | 15,500 | 15,500 | RCOAP742 |
| Retained earnings | 4,898 | 4,528 | 4,268 | 4,199 | 8,433 | 8,481 | RCOAKW00 |
| Accumulated other comprehensive income | (1,286) | (1,435) | (1,044) | (1,318) | (2,280) | (1,822) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,612 | 23,093 | 23,224 | 22,881 | 21,653 | 22,159 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,285 | 1,436 | 1,045 | 1,318 | 2,280 | 1,822 | P859 - P840 |
| Common equity Tier 1 capital | 24,897 | 24,529 | 24,269 | 24,199 | 23,933 | 23,981 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 24,897 | 24,529 | 24,269 | 24,199 | 23,933 | 23,981 | RCOA8274 |
| Tier 2 capital | 2,146 | 2,132 | 2,158 | 2,171 | 2,186 | 2,170 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,146 | 2,132 | 2,158 | 2,171 | 2,186 | 2,170 | RCOA5310 |
| Total capital | 27,043 | 26,661 | 26,427 | 26,370 | 26,119 | 26,151 | RCOA3792 |
| Total risk-weighted assets | 171,516 | 170,468 | 172,619 | 173,619 | 174,831 | 173,556 | RCOAA223 |
| Average total assets for the leverage ratio | 269,312 | 264,996 | 277,545 | 274,435 | 270,450 | 264,013 | 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 | $11.6M | $210K | 1.81% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $119.1M | $39.6M | 33.27% | 23.09% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $51.9M | $36.4M | 70.23% | 21.23% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.0M | $1.5M | 150.00% | 0.88% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $75.2M | $75.2M | 100.00% | 43.84% | RC-R Part II, item 4.d, 5.d |
| All other assets | $8.2M | $7.5M | 90.61% | 4.35% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $11.1M | $11.1M | 100.00% | 6.48% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $171.6M | ties to item 31 ($171.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $171.6M | RCONB704 |
| Less: excess allowance for credit losses | $125K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $171.5M | 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 | 14.52% | 14.52% | 15.77% | 9.24% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 14.39% | 14.39% | 15.64% | 9.26% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.06% | 14.06% | 15.31% | 8.74% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.94% | 13.94% | 15.19% | 8.82% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.69% | 13.69% | 14.94% | 8.85% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.82% | 13.82% | 15.07% | 9.08% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.40% | 13.40% | 14.65% | 8.74% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.33% | 13.33% | 14.58% | 8.91% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.33% | 13.33% | 14.58% | 8.89% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.54% | 13.54% | 14.79% | 8.87% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.11% | 13.11% | 14.36% | 8.81% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.98% | 12.98% | 14.23% | 8.85% | 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 |
|---|---|---|---|---|---|---|
| Madison Valley Bank (this bank) | Risk-based | 14.52% | 14.52% | 15.77% | 9.24% | |
| Bank of Jamestown | $263.8M | CBLR | NA | NA | NA | 12.96% |
| FBT Bank & Mortgage | $263.6M | CBLR | NA | NA | NA | 10.39% |
| Security Bank USA | $263.9M | Risk-based | 13.47% | 13.47% | 14.72% | 9.36% |
| Greenville Federal | $263.9M | Risk-based | 11.16% | 11.16% | 12.08% | 7.80% |
| Commercial State Bank | $264.4M | CBLR | NA | NA | NA | 9.64% |
| Summit Bank | $264.4M | Risk-based | 20.74% | 20.74% | 22.01% | 16.37% |
| Texas Financial Bank | $264.6M | CBLR | NA | NA | NA | 11.72% |
| Bank of Desoto, N.A. | $264.6M | CBLR | NA | NA | NA | 10.06% |
| Peer 25th percentile | 12.32% | 12.32% | 13.40% | 9.57% | ||
| Peer median | 13.47% | 13.47% | 14.72% | 10.22% | ||
| Peer 75th percentile | 17.11% | 17.11% | 18.37% | 12.03% | ||
| This bank's percentile | 67 | 67 | 67 | 12 |
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/596455/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.