Nova 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%.
Equity capital to total assets dropped 1.06 percentage points in Q2 2026, from 28.07% to 27.02%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 28.11% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $24.7M |
| Tier 1 capital | $24.7M |
| Total risk-based capital | — |
| Total equity capital | $24.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 27.02% |
| Tangible equity to tangible assets | 27.02% |
| Equity capital to average assets | 28.09% |
| Internal capital growth rate | 3.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $26.1M |
| Retained earnings | -$4.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 10 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q1 2024 | 96.03% | 93.94% | 93.94% |
| Q2 2024 | 89.03% | 82.26% | 82.26% |
| Q3 2024 | 76.12% | 71.21% | 71.21% |
| Q4 2024 | 63.82% | 52.50% | 52.50% |
| Q1 2025 | 36.24% | 30.16% | 30.16% |
| Q2 2025 | 29.11% | 28.31% | 28.31% |
| Q3 2025 | 27.93% | 28.35% | 28.35% |
| Q4 2025 | 27.52% | 27.41% | 27.41% |
| Q1 2026 | 27.79% | 28.07% | 28.07% |
| Q2 2026 | 28.11% | 27.02% | 27.02% |
Nova Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Nova 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 Nova Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59326) · FFIEC NIC profile (RSSD 5807400)