The National Bank of Blacksburg: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.38% (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: 9.38% (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 16.52% +10.02 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 | $197.3M | 197,329 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.19B | 1,194,559 | RCOAA223 |
| Recomputed ratio | 16.52% | numerator / denominator | |
| Filed ratio | 16.52% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.02 pp | $119.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.52% +8.52 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 | $197.3M | 197,329 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.19B | 1,194,559 | RCOAA223 |
| Recomputed ratio | 16.52% | numerator / denominator | |
| Filed ratio | 16.52% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.52 pp | $101.8M | capital that could be lost first |
Total risk-based capital ratio 17.38% +7.38 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 | $207.7M | 207,658 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.19B | 1,194,559 | RCOAA223 |
| Recomputed ratio | 17.38% | numerator / denominator | |
| Filed ratio | 17.38% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.38 pp | $88.2M | capital that could be lost first |
Tier 1 leverage ratio 10.54% +5.54 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 | $197.3M | 197,329 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.87B | 1,872,958 | RCOAA224 |
| Recomputed ratio | 10.54% | numerator / denominator | |
| Filed ratio | 10.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.54 pp | $103.7M | 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 | 19,901 | 19,901 | 19,901 | 19,401 | 19,401 | 19,401 | RCOAP742 |
| Retained earnings | 187,053 | 186,964 | 181,855 | 189,833 | 185,104 | 182,370 | RCOAKW00 |
| Accumulated other comprehensive income | (37,762) | (42,282) | (39,728) | (44,439) | (50,454) | (54,217) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 169,192 | 164,583 | 162,028 | 164,795 | 154,051 | 147,554 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 28,137 | 32,592 | 29,968 | 34,595 | 40,537 | 44,225 | P859 - P840 |
| Common equity Tier 1 capital | 197,329 | 197,175 | 191,996 | 199,390 | 194,588 | 191,779 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 197,329 | 197,175 | 191,996 | 199,390 | 194,588 | 191,779 | RCOA8274 |
| Tier 2 capital | 10,329 | 10,027 | 10,189 | 10,866 | 10,662 | 10,740 | RCOA5311 |
| Allowance includable in Tier 2 capital | 10,329 | 10,027 | 10,189 | 10,866 | 10,662 | 10,740 | RCOA5310 |
| Total capital | 207,658 | 207,202 | 202,185 | 210,256 | 205,250 | 202,519 | RCOA3792 |
| Total risk-weighted assets | 1,194,559 | 1,186,950 | 1,188,194 | 1,204,905 | 1,206,054 | 1,227,580 | RCOAA223 |
| Average total assets for the leverage ratio | 1,872,958 | 1,845,089 | 1,843,167 | 1,825,216 | 1,855,268 | 1,864,196 | 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 | $54.6M | $246K | 0.45% | 0.02% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $702.0M | $136.8M | 19.48% | 11.45% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $347.8M | $218.3M | 62.76% | 18.27% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $353K | $530K | 150.00% | 0.04% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $666.8M | $632.7M | 94.89% | 52.97% | RC-R Part II, item 4.d, 5.d |
| All other assets | $106.1M | $104.5M | 98.48% | 8.74% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $98.8M | $98.8M | 100.00% | 8.27% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $2.7M | NA | 0.23% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.19B | does not tie to item 31 ($1.19B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.19B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.19B | 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 | 16.52% | 16.52% | 17.38% | 10.54% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.61% | 16.61% | 17.46% | 10.69% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 16.16% | 16.16% | 17.02% | 10.42% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 16.55% | 16.55% | 17.45% | 10.92% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.13% | 16.13% | 17.02% | 10.49% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.62% | 15.62% | 16.50% | 10.29% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 15.28% | 15.28% | 16.14% | 10.25% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 16.55% | 16.55% | 17.40% | 11.08% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 16.32% | 16.32% | 17.19% | 11.40% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 17.29% | 17.29% | 18.14% | 11.02% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 17.23% | 17.23% | 18.09% | 11.05% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 17.83% | 17.83% | 18.79% | 11.71% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| The National Bank of Blacksburg (this bank) | Risk-based | 16.52% | 16.52% | 17.38% | 10.54% | |
| Wellworth Bank | $1.84B | Risk-based | 13.79% | 13.79% | 14.98% | 9.92% |
| Bank of New England | $1.82B | CBLR | NA | NA | NA | 16.78% |
| North Easton Savings Bank | $1.84B | Risk-based | 16.22% | 16.22% | 16.80% | 11.19% |
| Legacy Bank & Trust Company | $1.85B | CBLR | NA | NA | NA | 11.91% |
| Bank of Clarke | $1.85B | Risk-based | 14.29% | 14.29% | 15.48% | 12.27% |
| First State Bank | $1.85B | Risk-based | 14.08% | 14.08% | 15.18% | 9.61% |
| Ccfbank N.A. | $1.81B | Risk-based | 12.94% | 12.94% | 14.19% | 11.21% |
| Cornerstone Bank | $1.85B | Risk-based | 11.28% | 11.28% | 12.44% | 9.63% |
| Independent Bank | $1.85B | Risk-based | 10.22% | 10.22% | 11.05% | 10.60% |
| North Dallas Bank & Trust Co. | $1.81B | CBLR | NA | NA | NA | 10.22% |
| Peer 25th percentile | 12.11% | 12.11% | 13.32% | 9.99% | ||
| Peer median | 13.79% | 13.79% | 14.98% | 10.90% | ||
| Peer 75th percentile | 14.19% | 14.19% | 15.33% | 11.73% | ||
| This bank's percentile | 100 | 100 | 100 | 40 |
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/754929/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.