Mountain 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%.
Compared with Q1 2026, Equity capital to average assets rose 0.31 percentage points in Q2 2026 to 9.88%, the biggest move on this page. Within Tennessee, Mountain Valley Bank is 20th of 71 on CET1 ratio, 15.17% 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; Mountain Valley Bank reported 15.17% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.17% |
| Tier 1 risk-based capital ratio | 15.17% |
| Total risk-based capital ratio | 16.05% |
| Tier 1 leverage ratio | 10.02% |
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 | $25.4M |
| Tier 1 capital | $25.4M |
| Total risk-based capital | $26.9M |
| Total equity capital | $25.1M |
| Risk-weighted assets | $167.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.84% |
| Tangible equity to tangible assets | 9.84% |
| Equity capital to average assets | 9.88% |
| Internal capital growth rate | 4.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $13.2M |
| Retained earnings | $11.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$362K |
| 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 | 14.71% | 14.71% | 15.96% | 10.43% | $152.4M |
| Q4 2023 | 13.81% | 13.81% | 15.05% | 9.78% | $162.7M |
| Q1 2024 | 13.33% | 13.33% | 14.49% | 9.50% | $168.8M |
| Q2 2024 | 13.42% | 13.42% | 14.67% | 9.46% | $168.5M |
| Q3 2024 | 13.76% | 13.76% | 15.01% | 9.08% | $165.3M |
| Q4 2024 | 13.23% | 13.23% | 14.28% | 8.87% | $174.4M |
| Q1 2025 | 13.33% | 13.33% | 14.34% | 9.30% | $177.9M |
| Q2 2025 | 13.75% | 13.75% | 14.78% | 9.24% | $174.0M |
| Q3 2025 | 13.39% | 13.39% | 14.38% | 9.32% | $182.1M |
| Q4 2025 | 14.38% | 14.38% | 15.44% | 9.60% | $173.4M |
| Q1 2026 | 14.79% | 14.79% | 15.64% | 9.71% | $169.9M |
| Q2 2026 | 15.17% | 15.17% | 16.05% | 10.02% | $167.5M |
Mountain Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain 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 Mountain Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1705) · FFIEC NIC profile (RSSD 714437)