Tri-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%.
Accumulated other comprehensive income climbed 7.7% in Q2 2026, from -$2.8M to -$2.6M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.25% |
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 | $7.6M |
| Tier 1 capital | $7.6M |
| Total risk-based capital | — |
| Total equity capital | $5.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.10% |
| Tangible equity to tangible assets | 6.10% |
| Equity capital to average assets | 6.12% |
| Internal capital growth rate | 9.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $880K |
| Retained earnings | $6.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.28% | 5.45% | 5.41% |
| Q4 2023 | 9.88% | 6.26% | 6.22% |
| Q1 2024 | 10.18% | 6.30% | 6.27% |
| Q2 2024 | 10.08% | 6.60% | 6.58% |
| Q3 2024 | 10.07% | 7.29% | 7.28% |
| Q4 2024 | 9.62% | 6.64% | 6.64% |
| Q1 2025 | 9.37% | 6.91% | 6.91% |
| Q2 2025 | 8.65% | 5.91% | 5.91% |
| Q3 2025 | 9.18% | 6.48% | 6.48% |
| Q4 2025 | 9.11% | 6.03% | 6.03% |
| Q1 2026 | 9.24% | 5.80% | 5.80% |
| Q2 2026 | 9.25% | 6.10% | 6.10% |
Tri-Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri-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 Tri-Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12417) · FFIEC NIC profile (RSSD 404943)