Valley Bank of Commerce: 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%.
Compared with Q1 2026, Total risk-based capital ratio rose 1.45 percentage points in Q2 2026 to 24.56%, the biggest move on this page. Valley Bank of Commerce ranks 4th of 20 New Mexico banks on CET1 ratio, in the upper half at 23.30% (Q2 2026). Valley Bank of Commerce's CET1 ratio of 23.30% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 8.23 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.30% |
| Tier 1 risk-based capital ratio | 23.30% |
| Total risk-based capital ratio | 24.56% |
| Tier 1 leverage ratio | 14.47% |
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 | $43.5M |
| Tier 1 capital | $43.5M |
| Total risk-based capital | $45.9M |
| Total equity capital | $43.5M |
| Risk-weighted assets | $186.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.32% |
| Tangible equity to tangible assets | 14.32% |
| Equity capital to average assets | 14.47% |
| Internal capital growth rate | 22.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $502K |
| Common stock surplus | $5.5M |
| Retained earnings | $37.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8K |
| 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 | 18.94% | 18.94% | 20.19% | 10.39% | $166.6M |
| Q4 2023 | 20.66% | 20.66% | 21.92% | 10.96% | $166.1M |
| Q1 2024 | 19.92% | 19.92% | 21.18% | 10.36% | $162.6M |
| Q2 2024 | 20.22% | 20.22% | 21.47% | 12.87% | $171.5M |
| Q3 2024 | 22.93% | 22.93% | 24.18% | 14.03% | $161.2M |
| Q4 2024 | 23.81% | 23.81% | 25.06% | 14.30% | $162.7M |
| Q1 2025 | 23.16% | 23.16% | 24.42% | 11.45% | $154.4M |
| Q2 2025 | 24.13% | 24.13% | 25.39% | 12.37% | $158.8M |
| Q3 2025 | 24.56% | 24.56% | 25.82% | 13.79% | $164.9M |
| Q4 2025 | 23.79% | 23.79% | 25.04% | 14.94% | $179.2M |
| Q1 2026 | 21.86% | 21.86% | 23.11% | 14.00% | $188.6M |
| Q2 2026 | 23.30% | 23.30% | 24.56% | 14.47% | $186.9M |
Valley Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Commerce, 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 Valley Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22600) · FFIEC NIC profile (RSSD 481159)