Springs Valley Bank & Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.45% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.45% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 14.17% +7.67 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $83.0M | 83,030 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $585.8M | 585,771 | RCOAA223 |
| Recomputed ratio | 14.17% | numerator / denominator | |
| Filed ratio | 14.17% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.67 pp | $45.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.17% +6.17 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $83.0M | 83,030 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $585.8M | 585,771 | RCOAA223 |
| Recomputed ratio | 14.17% | numerator / denominator | |
| Filed ratio | 14.17% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.17 pp | $36.2M | capital that could be lost first |
Total risk-based capital ratio 15.45% +5.45 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $90.5M | 90,482 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $585.8M | 585,771 | RCOAA223 |
| Recomputed ratio | 15.45% | numerator / denominator | |
| Filed ratio | 15.45% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.45 pp | $31.9M | capital that could be lost first |
Tier 1 leverage ratio 12.50% +7.50 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $83.0M | 83,030 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $664.1M | 664,113 | RCOAA224 |
| Recomputed ratio | 12.50% | numerator / denominator | |
| Filed ratio | 12.50% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.50 pp | $49.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 14,861 | 14,819 | 14,487 | 14,487 | 14,487 | 14,487 | RCOAP742 |
| Retained earnings | 68,169 | 65,120 | 62,119 | 60,127 | 57,520 | 55,368 | RCOAKW00 |
| Accumulated other comprehensive income | (3,383) | (3,441) | (3,878) | (4,609) | (6,152) | (5,330) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 79,647 | 76,498 | 72,728 | 70,005 | 65,855 | 64,525 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,383 | 3,441 | 3,878 | 4,609 | 6,152 | 5,330 | P859 - P840 |
| Common equity Tier 1 capital | 83,030 | 79,939 | 76,606 | 74,614 | 72,007 | 69,855 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 83,030 | 79,939 | 76,606 | 74,614 | 72,007 | 69,855 | RCOA8274 |
| Tier 2 capital | 7,452 | 7,285 | 7,099 | 6,896 | 6,943 | 6,842 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,327 | 7,160 | 6,974 | 6,771 | 6,818 | 6,717 | RCOA5310 |
| Total capital | 90,482 | 87,224 | 83,705 | 81,510 | 78,950 | 76,697 | RCOA3792 |
| Total risk-weighted assets | 585,771 | 572,617 | 557,786 | 546,533 | 545,469 | 537,050 | RCOAA223 |
| Average total assets for the leverage ratio | 664,113 | 645,508 | 647,376 | 642,186 | 646,111 | 642,931 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $21.0M | $2.3M | 11.16% | 0.40% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $79.8M | $26.7M | 33.47% | 4.55% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $33.9M | $6.8M | 20.00% | 1.16% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $171.9M | $104.1M | 60.54% | 17.75% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $20.5M | $30.8M | 150.00% | 5.26% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $229K | $344K | 150.00% | 0.06% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $324.1M | $319.3M | 98.50% | 54.47% | RC-R Part II, item 4.d, 5.d |
| All other assets | $29.9M | $31.8M | 106.28% | 5.43% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $1.7M | $21.6M | 1250.00% | 3.68% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $36.9M | $38.6M | 104.62% | 6.59% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $3.8M | NA | 0.65% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $582.4M | ties to item 31 ($582.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $586.2M | RCONB704 |
| Less: excess allowance for credit losses | $429K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $585.8M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 14.17% | 14.17% | 15.45% | 12.50% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.96% | 13.96% | 15.23% | 12.38% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.73% | 13.73% | 15.01% | 11.83% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.65% | 13.65% | 14.91% | 11.62% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.20% | 13.20% | 14.47% | 11.14% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.01% | 13.01% | 14.28% | 10.87% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.45% | 12.45% | 13.73% | 10.71% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.12% | 12.12% | 13.39% | 10.73% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.84% | 11.84% | 13.12% | 10.63% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.72% | 11.72% | 12.99% | 10.40% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.47% | 12.47% | 13.75% | 11.29% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.52% | 12.52% | 13.79% | 11.36% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Springs Valley Bank & Trust Company (this bank) | Risk-based | 14.17% | 14.17% | 15.45% | 12.50% | |
| Apple River State Bank | $675.2M | Risk-based | 14.75% | 14.75% | 15.64% | 9.74% |
| PS Bank | $674.5M | CBLR | NA | NA | NA | 11.25% |
| First State Bank | $674.3M | CBLR | NA | NA | NA | 12.40% |
| New Tripoli Bank | $674.0M | CBLR | NA | NA | NA | 10.63% |
| The Hardin County Bank | $676.7M | CBLR | NA | NA | NA | 10.84% |
| The Stephenson National Bank and Trust | $676.8M | CBLR | NA | NA | NA | 10.07% |
| Thumb Bank & Trust | $673.3M | CBLR | NA | NA | NA | 9.44% |
| Farmers Bank | $678.4M | Risk-based | 21.96% | 21.96% | 23.22% | 15.90% |
| Henderson State Bank | $678.5M | CBLR | NA | NA | NA | 10.41% |
| Peer 25th percentile | 16.55% | 16.55% | 17.54% | 10.07% | ||
| Peer median | 18.36% | 18.36% | 19.43% | 10.63% | ||
| Peer 75th percentile | 20.16% | 20.16% | 21.33% | 11.25% | ||
| This bank's percentile | 0 | 0 | 0 | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/93543/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.