Oak Valley Community 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 22.4% higher than in Q1 2026, at -$17.5M. Within California, Oak Valley Community Bank is 33rd of 74 on CET1 ratio, 15.72% as of Q2 2026, above the middle of the field. Oak Valley Community Bank reported 15.72% on CET1 ratio for Q2 2026, 2.25 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.72% |
| Tier 1 risk-based capital ratio | 15.72% |
| Total risk-based capital ratio | 16.53% |
| Tier 1 leverage ratio | 11.48% |
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 | $230.2M |
| Tier 1 capital | $230.2M |
| Total risk-based capital | $242.0M |
| Total equity capital | $216.0M |
| Risk-weighted assets | $1.46B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.79% |
| Tangible equity to tangible assets | 10.64% |
| Equity capital to average assets | 10.75% |
| Internal capital growth rate | 10.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25.1M |
| Common stock surplus | $0 |
| Retained earnings | $208.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.5M |
| 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 | 13.72% | 13.72% | 14.53% | 9.24% | $1.28B |
| Q4 2023 | 13.83% | 13.83% | 14.70% | 9.64% | $1.31B |
| Q1 2024 | 13.98% | 13.98% | 14.85% | 10.01% | $1.32B |
| Q2 2024 | 14.13% | 14.13% | 14.99% | 10.35% | $1.35B |
| Q3 2024 | 14.44% | 14.44% | 15.32% | 10.41% | $1.36B |
| Q4 2024 | 14.47% | 14.47% | 15.31% | 10.51% | $1.40B |
| Q1 2025 | 14.69% | 14.69% | 15.55% | 10.67% | $1.40B |
| Q2 2025 | 14.84% | 14.84% | 15.70% | 10.92% | $1.43B |
| Q3 2025 | 15.21% | 15.21% | 16.07% | 10.81% | $1.42B |
| Q4 2025 | 15.27% | 15.27% | 16.17% | 10.94% | $1.46B |
| Q1 2026 | 15.42% | 15.42% | 16.34% | 11.09% | $1.46B |
| Q2 2026 | 15.72% | 15.72% | 16.53% | 11.48% | $1.46B |
Oak Valley Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak Valley Community 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 Oak Valley Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33457) · FFIEC NIC profile (RSSD 1864197)