Valley Central 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 biggest quarter-over-quarter change on this page was a small one: Tangible equity to tangible assets edged up 0.22 percentage points between Q1 2026 and Q2 2026, to 20.34%.
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 | 20.06% |
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 | $38.0M |
| Tier 1 capital | $38.0M |
| Total risk-based capital | — |
| Total equity capital | $38.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.42% |
| Tangible equity to tangible assets | 20.34% |
| Equity capital to average assets | 20.09% |
| Internal capital growth rate | 2.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $38.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$101K |
| 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 | 22.26% | 21.83% | 21.68% |
| Q4 2023 | 21.70% | 21.61% | 21.47% |
| Q1 2024 | 21.49% | 20.83% | 20.70% |
| Q2 2024 | 20.97% | 21.05% | 20.92% |
| Q3 2024 | 20.72% | 20.76% | 20.63% |
| Q4 2024 | 20.50% | 20.52% | 20.40% |
| Q1 2025 | 20.44% | 20.48% | 20.37% |
| Q2 2025 | 20.26% | 20.47% | 20.37% |
| Q3 2025 | 20.43% | 20.65% | 20.54% |
| Q4 2025 | 20.28% | 20.25% | 20.16% |
| Q1 2026 | 19.98% | 20.21% | 20.11% |
| Q2 2026 | 20.06% | 20.42% | 20.34% |
Valley Central Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Central 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 Valley Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28555) · FFIEC NIC profile (RSSD 320070)