The National Bank of Adams County of West Union: 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 fell 0.69 percentage points in Q2 2026 to 10.82%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.82% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $12.4M |
| Tier 1 capital | $12.4M |
| Total risk-based capital | — |
| Total equity capital | $12.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.85% |
| Tangible equity to tangible assets | 10.85% |
| Equity capital to average assets | 10.82% |
| Internal capital growth rate | -12.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $2.5M |
| Retained earnings | $9.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.02% | 10.02% | 10.02% |
| Q4 2023 | 10.03% | 10.03% | 10.03% |
| Q1 2024 | 10.66% | 10.68% | 10.68% |
| Q2 2024 | 10.52% | 10.55% | 10.55% |
| Q3 2024 | 10.94% | 10.99% | 10.99% |
| Q4 2024 | 10.63% | 10.67% | 10.67% |
| Q1 2025 | 11.30% | 11.41% | 11.41% |
| Q2 2025 | 10.73% | 10.85% | 10.85% |
| Q3 2025 | 11.47% | 11.33% | 11.33% |
| Q4 2025 | 11.06% | 11.22% | 11.22% |
| Q1 2026 | 11.51% | 11.13% | 11.13% |
| Q2 2026 | 10.82% | 10.85% | 10.85% |
The National Bank of Adams County of West Union regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Adams County of West Union, 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 National Bank of Adams County of West Union profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6728) · FFIEC NIC profile (RSSD 290922)