The Nodaway 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 total assets rose 0.54 percentage points in Q2 2026 to 9.23%, the biggest move on this page. The Nodaway Valley Bank ranks 36th of 98 Missouri banks on CET1 ratio, in the upper half at 15.26% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Nodaway Valley Bank sits 1.78 points higher, at 15.26% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.26% |
| Tier 1 risk-based capital ratio | 15.26% |
| Total risk-based capital ratio | 16.30% |
| Tier 1 leverage ratio | 11.56% |
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 | $193.2M |
| Tier 1 capital | $193.2M |
| Total risk-based capital | $206.3M |
| Total equity capital | $149.2M |
| Risk-weighted assets | $1.27B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.23% |
| Tangible equity to tangible assets | 8.29% |
| Equity capital to average assets | 8.83% |
| Internal capital growth rate | 17.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $43.4M |
| Retained earnings | $165.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$60.6M |
| 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 | 15.97% | 15.97% | 17.15% | 10.70% | $946.8M |
| Q4 2023 | 15.72% | 15.72% | 16.87% | 10.83% | $990.2M |
| Q1 2024 | 13.87% | 13.87% | 14.91% | 10.62% | $1.11B |
| Q2 2024 | 14.01% | 14.01% | 15.06% | 10.76% | $1.14B |
| Q3 2024 | 14.47% | 14.47% | 15.54% | 11.10% | $1.15B |
| Q4 2024 | 14.94% | 14.94% | 16.04% | 11.20% | $1.13B |
| Q1 2025 | 14.59% | 14.59% | 15.67% | 11.26% | $1.16B |
| Q2 2025 | 14.50% | 14.50% | 15.55% | 11.45% | $1.21B |
| Q3 2025 | 15.12% | 15.12% | 16.16% | 11.81% | $1.20B |
| Q4 2025 | 14.85% | 14.85% | 15.85% | 11.74% | $1.25B |
| Q1 2026 | 15.04% | 15.04% | 16.07% | 11.44% | $1.24B |
| Q2 2026 | 15.26% | 15.26% | 16.30% | 11.56% | $1.27B |
The Nodaway Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Nodaway 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 The Nodaway Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8904) · FFIEC NIC profile (RSSD 770657)