Valley Bank of Kalispell: 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 standout move of Q2 2026 was in Retained earnings: 30.4% higher than in Q1 2026, at $4.1M.
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 | 9.49% |
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 | $20.6M |
| Tier 1 capital | $20.6M |
| Total risk-based capital | — |
| Total equity capital | $18.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
| Equity capital to average assets | 8.57% |
| Internal capital growth rate | 21.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $15.9M |
| Retained earnings | $4.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 9.56% | 6.06% | 6.06% |
| Q4 2023 | 9.63% | 7.68% | 7.68% |
| Q1 2024 | 9.37% | 6.69% | 6.69% |
| Q2 2024 | 9.17% | 6.80% | 6.80% |
| Q3 2024 | 8.93% | 7.83% | 7.83% |
| Q4 2024 | 9.41% | 7.50% | 7.50% |
| Q1 2025 | 9.68% | 7.78% | 7.78% |
| Q2 2025 | 9.86% | 7.89% | 7.89% |
| Q3 2025 | 9.83% | 8.41% | 8.41% |
| Q4 2025 | 9.24% | 8.91% | 8.91% |
| Q1 2026 | 9.33% | 8.25% | 8.25% |
| Q2 2026 | 9.49% | 8.52% | 8.52% |
Valley Bank of Kalispell regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Kalispell, 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 Kalispell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1980) · FFIEC NIC profile (RSSD 473257)