The Nodaway Valley Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.30% (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: 8.30% (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 15.26% +8.76 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 | $193.2M | 193,172 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.27B | 1,265,615 | RCOAA223 |
| Recomputed ratio | 15.26% | numerator / denominator | |
| Filed ratio | 15.26% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.76 pp | $110.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.26% +7.26 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 | $193.2M | 193,172 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.27B | 1,265,615 | RCOAA223 |
| Recomputed ratio | 15.26% | numerator / denominator | |
| Filed ratio | 15.26% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.26 pp | $91.9M | capital that could be lost first |
Total risk-based capital ratio 16.30% +6.30 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 | $206.3M | 206,261 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.27B | 1,265,615 | RCOAA223 |
| Recomputed ratio | 16.30% | numerator / denominator | |
| Filed ratio | 16.30% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.30 pp | $79.7M | capital that could be lost first |
Tier 1 leverage ratio 11.56% +6.56 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 | $193.2M | 193,172 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.67B | 1,671,558 | RCOAA224 |
| Recomputed ratio | 11.56% | numerator / denominator | |
| Filed ratio | 11.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.56 pp | $109.6M | 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 | 44,007 | 44,007 | 43,636 | 43,313 | 43,313 | 43,313 | RCOAP742 |
| Retained earnings | 165,774 | 159,610 | 158,375 | 154,573 | 148,690 | 142,367 | RCOAKW00 |
| Accumulated other comprehensive income | (60,603) | (60,139) | (58,485) | (61,821) | (67,407) | (71,266) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 149,178 | 143,478 | 143,526 | 136,065 | 124,596 | 114,414 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 43,994 | 43,530 | 41,881 | 45,215 | 50,801 | 54,660 | P859 - P840 |
| Common equity Tier 1 capital | 193,172 | 187,008 | 185,407 | 181,280 | 175,397 | 169,074 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 193,172 | 187,008 | 185,407 | 181,280 | 175,397 | 169,074 | RCOA8274 |
| Tier 2 capital | 13,089 | 12,803 | 12,490 | 12,472 | 12,688 | 12,538 | RCOA5311 |
| Allowance includable in Tier 2 capital | 13,089 | 12,803 | 12,490 | 12,472 | 12,688 | 12,538 | RCOA5310 |
| Total capital | 206,261 | 199,811 | 197,897 | 193,752 | 188,085 | 181,612 | RCOA3792 |
| Total risk-weighted assets | 1,265,615 | 1,243,319 | 1,248,591 | 1,198,619 | 1,209,389 | 1,159,198 | RCOAA223 |
| Average total assets for the leverage ratio | 1,671,558 | 1,634,038 | 1,578,709 | 1,535,142 | 1,531,496 | 1,501,365 | 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 | $137.3M | $26.4M | 19.24% | 2.09% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $439.8M | $66.1M | 15.02% | 5.22% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $362.4M | $303.9M | 83.87% | 24.01% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $54.0M | $81.0M | 150.00% | 6.40% | RC-R Part II, item 4.b, 5.b |
| Loans: all other | $620.8M | $614.4M | 98.97% | 48.55% | RC-R Part II, item 4.d, 5.d |
| All other assets | $51.9M | $50.2M | 96.74% | 3.97% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $117.8M | $117.8M | 100.00% | 9.31% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $1.0M | $506K | 50.00% | 0.04% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $5.3M | NA | 0.42% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.26B | ties to item 31 ($1.26B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.27B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.27B | 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 | 15.26% | 15.26% | 16.30% | 11.56% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.04% | 15.04% | 16.07% | 11.44% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.85% | 14.85% | 15.85% | 11.74% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.12% | 15.12% | 16.16% | 11.81% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.50% | 14.50% | 15.55% | 11.45% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.59% | 14.59% | 15.67% | 11.26% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.94% | 14.94% | 16.04% | 11.20% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.47% | 14.47% | 15.54% | 11.10% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.01% | 14.01% | 15.06% | 10.76% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.87% | 13.87% | 14.91% | 10.62% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 15.72% | 15.72% | 16.87% | 10.83% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.97% | 15.97% | 17.15% | 10.70% | 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 Nodaway Valley Bank (this bank) | Risk-based | 15.26% | 15.26% | 16.30% | 11.56% | |
| The Citizens Bank | $1.62B | Risk-based | 10.36% | 10.36% | 11.61% | 8.87% |
| International Finance Bank | $1.62B | Risk-based | 10.25% | 10.25% | 11.50% | 8.31% |
| FFB Bank | $1.62B | Risk-based | 15.57% | 15.57% | 16.83% | 12.20% |
| The State Bank and Trust Company | $1.61B | Risk-based | 12.37% | 12.37% | 13.62% | 10.00% |
| Bluestone Bank | $1.62B | Risk-based | 13.29% | 13.29% | 14.00% | 9.52% |
| Pacific National Bank | $1.61B | Risk-based | 15.31% | 15.31% | 15.94% | 10.80% |
| Bom Bank | $1.61B | CBLR | NA | NA | NA | 10.64% |
| Waukesha State Bank | $1.62B | CBLR | NA | NA | NA | 11.51% |
| Grasshopper Bank, N.A. | $1.60B | Risk-based | 10.17% | 10.17% | 11.00% | 8.22% |
| Peer 25th percentile | 10.31% | 10.31% | 11.56% | 8.87% | ||
| Peer median | 12.37% | 12.37% | 13.62% | 10.00% | ||
| Peer 75th percentile | 14.30% | 14.30% | 14.97% | 10.80% | ||
| This bank's percentile | 71 | 71 | 86 | 89 |
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/770657/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.