The Twin 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 Retained earnings, which rose 3.8% to $10.9M.
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 | 9.23% |
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 | $12.9M |
| Tier 1 capital | $12.9M |
| Total risk-based capital | — |
| Total equity capital | $10.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.58% |
| Tangible equity to tangible assets | 7.58% |
| Equity capital to average assets | 7.46% |
| Internal capital growth rate | 15.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.6M |
| Retained earnings | $10.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 12.83% | 12.83% | 13.67% | 8.60% | $81.4M |
| Q4 2023 | 13.05% | 13.05% | 13.91% | 8.46% | $80.9M |
| Q1 2024 | 12.88% | 12.88% | 13.73% | 8.63% | $83.5M |
| Q2 2024 | 12.65% | 12.65% | 13.48% | 8.55% | $86.2M |
| Q3 2024 | 12.72% | 12.72% | 13.56% | 8.56% | $88.1M |
| Q4 2024 | 12.72% | 12.72% | 13.55% | 8.46% | $89.8M |
| Q1 2025 | 12.58% | 12.58% | 13.41% | 8.75% | $92.6M |
| Q2 2025 | 12.27% | 12.27% | 13.08% | 8.53% | $96.1M |
| Q3 2025 | 12.29% | 12.29% | 13.10% | 8.39% | $98.3M |
| Q4 2025 | 12.54% | 12.54% | 13.39% | 8.54% | $98.2M |
| Q1 2026 | 12.98% | 12.98% | 13.88% | 8.89% | $96.3M |
| Q2 2026 | — | — | — | 9.23% | — |
The Twin Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Twin 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 The Twin Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13802) · FFIEC NIC profile (RSSD 381026)