Vallant 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 159.9% higher than in Q1 2026, at $341.5M. Vallant Bank has the 7th lowest CET1 ratio of the 79 banks headquartered in Georgia, at 12.05% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Vallant Bank sits 1.44 points lower, at 12.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.05% |
| Tier 1 risk-based capital ratio | 12.05% |
| Total risk-based capital ratio | 13.28% |
| Tier 1 leverage ratio | 9.85% |
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 | $386.5M |
| Tier 1 capital | $386.5M |
| Total risk-based capital | $425.9M |
| Total equity capital | $488.4M |
| Risk-weighted assets | $3.21B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.25% |
| Tangible equity to tangible assets | 9.22% |
| Equity capital to average assets | 12.04% |
| Internal capital growth rate | 15.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.7M |
| Common stock surplus | $170.7M |
| Retained earnings | $341.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31.5M |
| 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 | 10.48% | 10.48% | 11.63% | 8.71% | $1.73B |
| Q4 2023 | 11.01% | 11.01% | 12.23% | 8.81% | $1.70B |
| Q1 2024 | 11.27% | 11.27% | 12.52% | 8.78% | $1.69B |
| Q2 2024 | 11.42% | 11.42% | 12.67% | 8.85% | $1.69B |
| Q3 2024 | 11.72% | 11.72% | 12.96% | 9.17% | $1.69B |
| Q4 2024 | 11.68% | 11.68% | 12.89% | 9.27% | $1.73B |
| Q1 2025 | 11.75% | 11.75% | 12.98% | 9.22% | $1.75B |
| Q2 2025 | 11.75% | 11.75% | 12.95% | 9.31% | $1.79B |
| Q3 2025 | 11.59% | 11.59% | 12.77% | 9.58% | $1.85B |
| Q4 2025 | 11.63% | 11.63% | 12.78% | 9.69% | $1.89B |
| Q1 2026 | 11.52% | 11.52% | 12.67% | 9.63% | $1.94B |
| Q2 2026 | 12.05% | 12.05% | 13.28% | 9.85% | $3.21B |
Vallant Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vallant 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 Vallant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14065) · FFIEC NIC profile (RSSD 366238)