Springs Valley Bank & Trust Company: 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%.
Retained earnings rose 4.7% from Q1 2026 to Q2 2026, ending at $68.2M against $65.1M. It was the largest change among the key lines on this page. Within Indiana, Springs Valley Bank & Trust Company is 18th of 50 on CET1 ratio, 14.17% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Springs Valley Bank & Trust Company sits 0.90 points lower, at 14.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.17% |
| Tier 1 risk-based capital ratio | 14.17% |
| Total risk-based capital ratio | 15.45% |
| Tier 1 leverage ratio | 12.50% |
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 | $83.0M |
| Tier 1 capital | $83.0M |
| Total risk-based capital | $90.5M |
| Total equity capital | $79.8M |
| Risk-weighted assets | $585.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.81% |
| Tangible equity to tangible assets | 11.81% |
| Equity capital to average assets | 12.01% |
| Internal capital growth rate | 15.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $13.4M |
| Retained earnings | $68.2M |
| Preferred stock and surplus | $125K |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 12.52% | 12.52% | 13.79% | 11.36% | $535.0M |
| Q4 2023 | 12.47% | 12.47% | 13.75% | 11.29% | $545.3M |
| Q1 2024 | 11.72% | 11.72% | 12.99% | 10.40% | $540.4M |
| Q2 2024 | 11.84% | 11.84% | 13.12% | 10.63% | $548.4M |
| Q3 2024 | 12.12% | 12.12% | 13.39% | 10.73% | $548.4M |
| Q4 2024 | 12.45% | 12.45% | 13.73% | 10.71% | $544.0M |
| Q1 2025 | 13.01% | 13.01% | 14.28% | 10.87% | $537.0M |
| Q2 2025 | 13.20% | 13.20% | 14.47% | 11.14% | $545.5M |
| Q3 2025 | 13.65% | 13.65% | 14.91% | 11.62% | $546.5M |
| Q4 2025 | 13.73% | 13.73% | 15.01% | 11.83% | $557.8M |
| Q1 2026 | 13.96% | 13.96% | 15.23% | 12.38% | $572.6M |
| Q2 2026 | 14.17% | 14.17% | 15.45% | 12.50% | $585.8M |
Springs Valley Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Springs Valley Bank & Trust Company, 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 Springs Valley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4419) · FFIEC NIC profile (RSSD 93543)