New Valley Bank & Trust: 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 dropped 15.9% in Q2 2026, from -$1.5M to -$1.7M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, New Valley Bank & Trust is 3rd from the bottom among 59 Massachusetts banks, 10.79% (Q2 2026). New Valley Bank & Trust reported 10.79% on CET1 ratio for Q2 2026, 4.28 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 | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 12.04% |
| Tier 1 leverage ratio | 7.45% |
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 | $29.2M |
| Tier 1 capital | $29.2M |
| Total risk-based capital | $32.6M |
| Total equity capital | $27.4M |
| Risk-weighted assets | $270.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.11% |
| Tangible equity to tangible assets | 7.11% |
| Equity capital to average assets | 6.98% |
| Internal capital growth rate | -3.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $27.9M |
| Retained earnings | -$1.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 11.72% | 11.72% | 12.83% | 9.53% | $259.2M |
| Q4 2023 | 11.14% | 11.14% | 12.17% | 9.31% | $273.8M |
| Q1 2024 | 10.60% | 10.60% | 11.85% | 8.73% | $276.5M |
| Q2 2024 | 11.11% | 11.11% | 12.37% | 8.74% | $263.3M |
| Q3 2024 | 9.97% | 9.97% | 11.23% | 8.21% | $284.1M |
| Q4 2024 | 10.59% | 10.59% | 11.85% | 8.63% | $274.2M |
| Q1 2025 | 9.84% | 9.84% | 11.10% | 8.57% | $290.6M |
| Q2 2025 | 10.10% | 10.10% | 11.36% | 8.30% | $280.4M |
| Q3 2025 | 10.33% | 10.33% | 11.59% | 8.23% | $277.6M |
| Q4 2025 | 10.42% | 10.42% | 11.68% | 8.29% | $278.8M |
| Q1 2026 | 10.71% | 10.71% | 11.97% | 8.09% | $274.9M |
| Q2 2026 | 10.79% | 10.79% | 12.04% | 7.45% | $270.7M |
New Valley Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Valley Bank & Trust, 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 New Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59143) · FFIEC NIC profile (RSSD 5316920)