Valley Bank of Nevada: 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: 25.8% higher than in Q1 2026, at -$998K. Valley Bank of Nevada has the 3rd lowest CET1 ratio of the 7 banks headquartered in Nevada, at 15.56% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Valley Bank of Nevada sits 0.49 points higher, at 15.56% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.56% |
| Tier 1 risk-based capital ratio | 15.56% |
| Total risk-based capital ratio | 16.81% |
| Tier 1 leverage ratio | 10.31% |
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 | $24.6M |
| Tier 1 capital | $24.6M |
| Total risk-based capital | $26.6M |
| Total equity capital | $24.3M |
| Risk-weighted assets | $158.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
| Equity capital to average assets | 10.18% |
| Internal capital growth rate | 5.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $37K |
| Common stock surplus | $25.6M |
| Retained earnings | -$998K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$324K |
| 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 | 12.50% | 12.50% | 13.75% | 8.39% | $149.0M |
| Q4 2023 | 13.83% | 13.83% | 15.08% | 8.56% | $141.8M |
| Q1 2024 | 13.62% | 13.62% | 14.87% | 9.62% | $147.5M |
| Q2 2024 | 14.15% | 14.15% | 15.40% | 9.84% | $145.6M |
| Q3 2024 | 15.03% | 15.03% | 16.29% | 10.48% | $143.0M |
| Q4 2024 | 15.06% | 15.06% | 16.31% | 10.11% | $146.8M |
| Q1 2025 | 15.50% | 15.50% | 16.75% | 10.20% | $146.4M |
| Q2 2025 | 15.72% | 15.72% | 16.98% | 9.97% | $147.9M |
| Q3 2025 | 16.03% | 16.03% | 17.29% | 10.09% | $146.5M |
| Q4 2025 | 15.89% | 15.89% | 17.15% | 10.36% | $150.9M |
| Q1 2026 | 15.39% | 15.39% | 16.65% | 10.14% | $157.8M |
| Q2 2026 | 15.56% | 15.56% | 16.81% | 10.31% | $158.4M |
Valley Bank of Nevada regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Nevada, 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 Nevada profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57933) · FFIEC NIC profile (RSSD 3370357)