Ninnescah Valley Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 12.04% +3.04 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $5.5M | 5,495 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $45.6M | 45,623 | RCOAA224 |
| Recomputed ratio | 12.04% | numerator / denominator | |
| Filed ratio | 12.04% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.04 pp | $1.4M | 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 | 400 | 400 | 400 | 400 | 400 | 400 | RCOAP742 |
| Retained earnings | 5,095 | 4,925 | 4,811 | 4,832 | 4,841 | 4,695 | RCOAKW00 |
| Accumulated other comprehensive income | (1,539) | (1,436) | (1,464) | (1,595) | (2,193) | (2,113) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 3,956 | 3,889 | 3,747 | 3,637 | 3,048 | 2,982 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,539 | 1,436 | 1,464 | 1,595 | 2,193 | 2,113 | P859 - P840 |
| Common equity Tier 1 capital | 5,495 | 5,325 | 5,211 | 5,232 | 5,241 | 5,095 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 5,495 | 5,325 | 5,211 | 5,232 | 5,241 | 5,095 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 45,623 | 44,587 | 41,541 | 41,835 | 42,120 | 42,061 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 12.04% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 11.94% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 12.54% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 12.51% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 12.44% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 12.11% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 12.20% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 12.85% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 13.01% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 12.63% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 13.15% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 12.79% | 20.70% | 20.70% | 21.86% | 12.73% |
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 |
|---|---|---|---|---|---|---|
| Ninnescah Valley Bank (this bank) | CBLR | NA | NA | NA | 12.04% | |
| Cornerstone Community Bank | $44.5M | Risk-based | 220.54% | 220.54% | 220.54% | 277.16% |
| Portrait Bank | $44.7M | CBLR | NA | NA | NA | 99.23% |
| Highland State Bank | $44.9M | CBLR | NA | NA | NA | 11.98% |
| Welcome State Bank | $44.3M | CBLR | NA | NA | NA | 12.81% |
| Gala Bank | $44.9M | Risk-based | 29.51% | 29.51% | 30.06% | 22.07% |
| Washita State Bank | $44.3M | CBLR | NA | NA | NA | 14.60% |
| Union State Bank | $44.3M | Risk-based | 28.19% | 28.19% | 30.80% | 12.65% |
| Sound Banking Company | $45.2M | Risk-based | 15.27% | 15.27% | 16.52% | 12.08% |
| Its Bank | $45.2M | CBLR | NA | NA | NA | 97.51% |
| Peer 25th percentile | 24.96% | 24.96% | 26.67% | 12.65% | ||
| Peer median | 28.85% | 28.85% | 30.43% | 14.60% | ||
| Peer 75th percentile | 77.27% | 77.27% | 78.24% | 97.51% | ||
| This bank's percentile | NA | NA | NA | 11 |
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/789051/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.