Powell Valley National 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 Total equity capital: 9.6% higher than in Q1 2026, at $53.9M. Within Virginia, Powell Valley National Bank is 26th of 44 on CET1 ratio, 13.76% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Powell Valley National Bank sits 1.32 points lower, at 13.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.76% |
| Tier 1 risk-based capital ratio | 13.76% |
| Total risk-based capital ratio | 15.01% |
| Tier 1 leverage ratio | 10.67% |
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 | $54.5M |
| Tier 1 capital | $54.5M |
| Total risk-based capital | $59.5M |
| Total equity capital | $53.9M |
| Risk-weighted assets | $396.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.44% |
| Tangible equity to tangible assets | 10.29% |
| Equity capital to average assets | 10.54% |
| Internal capital growth rate | 38.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $800K |
| Retained earnings | $53.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 13.64% | 13.64% | 14.89% | 9.39% | $328.8M |
| Q4 2023 | 13.64% | 13.64% | 14.89% | 9.24% | $329.0M |
| Q1 2024 | 13.36% | 13.36% | 14.61% | 9.40% | $339.7M |
| Q2 2024 | 13.18% | 13.18% | 14.43% | 9.72% | $348.3M |
| Q3 2024 | 13.10% | 13.10% | 14.35% | 9.86% | $353.7M |
| Q4 2024 | 13.04% | 13.04% | 14.29% | 9.55% | $354.8M |
| Q1 2025 | 13.00% | 13.00% | 14.25% | 9.55% | $360.2M |
| Q2 2025 | 12.69% | 12.69% | 13.94% | 9.67% | $369.5M |
| Q3 2025 | 13.22% | 13.22% | 14.47% | 9.73% | $357.9M |
| Q4 2025 | 13.54% | 13.54% | 14.79% | 9.65% | $360.4M |
| Q1 2026 | 12.40% | 12.40% | 13.65% | 9.87% | $401.5M |
| Q2 2026 | 13.76% | 13.76% | 15.01% | 10.67% | $396.2M |
Powell Valley National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Powell Valley National 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 Powell Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6863) · FFIEC NIC profile (RSSD 31826)