Spring Valley 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which fell 0.69 percentage points to 34.14%.
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 | 34.07% |
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 | $38.9M |
| Tier 1 capital | $38.9M |
| Total risk-based capital | — |
| Total equity capital | $39.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 34.35% |
| Tangible equity to tangible assets | 34.28% |
| Equity capital to average assets | 34.14% |
| Internal capital growth rate | -13.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $3.3M |
| Retained earnings | $33.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 37.33% | 37.00% | 37.00% |
| Q4 2023 | 37.45% | 36.77% | 36.77% |
| Q1 2024 | 36.73% | 36.41% | 36.41% |
| Q2 2024 | 36.69% | 35.32% | 35.32% |
| Q3 2024 | 35.24% | 34.08% | 34.08% |
| Q4 2024 | 34.78% | 35.67% | 35.67% |
| Q1 2025 | 35.79% | 33.61% | 33.61% |
| Q2 2025 | 34.69% | 34.74% | 34.74% |
| Q3 2025 | 33.82% | 33.46% | 33.46% |
| Q4 2025 | 33.73% | 33.64% | 33.64% |
| Q1 2026 | 34.76% | 34.83% | 34.76% |
| Q2 2026 | 34.07% | 34.35% | 34.28% |
Spring Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Valley 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 Spring Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34386) · FFIEC NIC profile (RSSD 2607412)