Mission 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%.
Retained earnings rose 4.0% from Q1 2026 to Q2 2026, ending at $54.7M against $52.6M. It was the largest change among the key lines on this page. Mission Valley Bank ranks 65th of 74 California banks on CET1 ratio, in the lower half at 12.25% (Q2 2026). Mission Valley Bank reported 12.25% on CET1 ratio for Q2 2026, 2.82 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.25% |
| Tier 1 risk-based capital ratio | 12.25% |
| Total risk-based capital ratio | 13.44% |
| Tier 1 leverage ratio | 11.00% |
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 | $86.8M |
| Tier 1 capital | $86.8M |
| Total risk-based capital | $95.2M |
| Total equity capital | $83.9M |
| Risk-weighted assets | $708.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.73% |
| Tangible equity to tangible assets | 10.64% |
| Equity capital to average assets | 10.62% |
| Internal capital growth rate | 10.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.7M |
| Common stock surplus | $22.9M |
| Retained earnings | $54.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 12.39% | 12.39% | 13.64% | 11.11% | $529.2M |
| Q4 2023 | 11.23% | 11.23% | 12.48% | 10.53% | $575.3M |
| Q1 2024 | 10.74% | 10.74% | 11.96% | 9.91% | $611.3M |
| Q2 2024 | 11.49% | 11.49% | 12.74% | 10.06% | $594.6M |
| Q3 2024 | 11.44% | 11.44% | 12.65% | 10.54% | $607.0M |
| Q4 2024 | 11.24% | 11.24% | 12.49% | 10.36% | $629.9M |
| Q1 2025 | 11.39% | 11.39% | 12.64% | 10.40% | $638.0M |
| Q2 2025 | 11.28% | 11.28% | 12.53% | 10.17% | $658.0M |
| Q3 2025 | 11.85% | 11.85% | 13.10% | 10.47% | $643.6M |
| Q4 2025 | 12.15% | 12.15% | 13.36% | 11.14% | $688.1M |
| Q1 2026 | 12.26% | 12.26% | 13.52% | 11.13% | $690.5M |
| Q2 2026 | 12.25% | 12.25% | 13.44% | 11.00% | $708.8M |
Mission Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mission 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 Mission Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57101) · FFIEC NIC profile (RSSD 3039636)