River 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%.
Accumulated other comprehensive income dropped 7.7% in Q2 2026, from -$8.5M to -$9.1M. It was the largest change from Q1 2026 among the key lines here. Within California, River Valley Community Bank is 47th of 74 on CET1 ratio, 13.82% as of Q2 2026, below the middle of the field. River Valley Community Bank reported 13.82% on CET1 ratio for Q2 2026, 1.25 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.82% |
| Tier 1 risk-based capital ratio | 13.82% |
| Total risk-based capital ratio | 14.90% |
| Tier 1 leverage ratio | 8.73% |
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 | $69.8M |
| Tier 1 capital | $69.8M |
| Total risk-based capital | $75.2M |
| Total equity capital | $60.7M |
| Risk-weighted assets | $505.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.65% |
| Tangible equity to tangible assets | 7.65% |
| Equity capital to average assets | 7.58% |
| Internal capital growth rate | 9.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $16.2M |
| Common stock surplus | $0 |
| Retained earnings | $53.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.1M |
| 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 | 14.59% | 14.59% | 15.84% | 9.34% | $387.2M |
| Q4 2023 | 14.33% | 14.33% | 15.56% | 9.72% | $403.6M |
| Q1 2024 | 14.78% | 14.78% | 16.03% | 10.04% | $398.6M |
| Q2 2024 | 15.00% | 15.00% | 16.23% | 9.75% | $399.9M |
| Q3 2024 | 14.46% | 14.46% | 15.63% | 9.75% | $422.7M |
| Q4 2024 | 13.97% | 13.97% | 15.07% | 10.41% | $447.2M |
| Q1 2025 | 14.14% | 14.14% | 15.26% | 10.22% | $450.8M |
| Q2 2025 | 14.16% | 14.16% | 15.30% | 10.48% | $458.1M |
| Q3 2025 | 13.79% | 13.79% | 14.88% | 10.43% | $478.9M |
| Q4 2025 | 13.66% | 13.66% | 14.74% | 9.17% | $492.2M |
| Q1 2026 | 13.72% | 13.72% | 14.81% | 8.89% | $498.7M |
| Q2 2026 | 13.82% | 13.82% | 14.90% | 8.73% | $505.2M |
River Valley Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock River 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 River Valley Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58276) · FFIEC NIC profile (RSSD 3451050)