Spring Valley City 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%.
In Q2 2026, Common equity Tier 1 ratio edged down by 0.35 percentage points, from 24.17% to 23.82%, the largest move among the key lines here. Spring Valley City Bank ranks 28th of 198 Illinois banks on CET1 ratio, in the upper half at 23.82% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Spring Valley City Bank reported 23.82% on CET1 ratio in Q2 2026, 8.75 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.82% |
| Tier 1 risk-based capital ratio | 23.82% |
| Total risk-based capital ratio | 25.08% |
| Tier 1 leverage ratio | 13.86% |
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 | $29.5M |
| Tier 1 capital | $29.5M |
| Total risk-based capital | $31.1M |
| Total equity capital | $25.9M |
| Risk-weighted assets | $123.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.50% |
| Tangible equity to tangible assets | 12.50% |
| Equity capital to average assets | 12.15% |
| Internal capital growth rate | -2.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $864K |
| Common stock surplus | $3.4M |
| Retained earnings | $25.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 22.13% | 22.13% | 23.39% | 13.28% | $132.2M |
| Q4 2023 | 21.70% | 21.70% | 22.96% | 12.57% | $133.4M |
| Q1 2024 | 22.49% | 22.49% | 23.75% | 13.24% | $129.4M |
| Q2 2024 | 22.77% | 22.77% | 24.03% | 13.37% | $127.1M |
| Q3 2024 | 23.43% | 23.43% | 24.69% | 13.69% | $124.4M |
| Q4 2024 | 22.38% | 22.38% | 23.63% | 13.42% | $129.5M |
| Q1 2025 | 22.79% | 22.79% | 24.04% | 13.98% | $128.3M |
| Q2 2025 | 23.61% | 23.61% | 24.70% | 13.85% | $123.3M |
| Q3 2025 | 24.22% | 24.22% | 25.38% | 14.10% | $121.6M |
| Q4 2025 | 23.24% | 23.24% | 24.48% | 13.81% | $126.1M |
| Q1 2026 | 24.17% | 24.17% | 25.42% | 14.06% | $122.8M |
| Q2 2026 | 23.82% | 23.82% | 25.08% | 13.86% | $123.9M |
Spring Valley City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Valley City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12087) · FFIEC NIC profile (RSSD 452841)