Valley Central Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 20.06% +11.06 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $38.0M | 38,036 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $189.6M | 189,630 | RCOAA224 |
| Recomputed ratio | 20.06% | numerator / denominator | |
| Filed ratio | 20.06% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +11.06 pp | $21.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1 | 1 | 1 | 1 | 1 | 1 | RCOAP742 |
| Retained earnings | 38,240 | 38,036 | 37,911 | 37,847 | 37,639 | 37,461 | RCOAKW00 |
| Accumulated other comprehensive income | (101) | (149) | (68) | (135) | (215) | (290) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 38,140 | 37,888 | 37,844 | 37,713 | 37,425 | 37,172 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (104) | (66) | (158) | (100) | (31) | 34 | P859 - P840 |
| Common equity Tier 1 capital | 38,036 | 37,822 | 37,686 | 37,613 | 37,394 | 37,206 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 38,036 | 37,822 | 37,686 | 37,613 | 37,394 | 37,206 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 189,630 | 189,317 | 185,862 | 184,131 | 184,533 | 181,993 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 20.06% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 19.98% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 20.28% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 20.43% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 20.26% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 20.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 20.50% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 20.72% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 20.97% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 21.49% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 21.70% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 22.26% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Valley Central Bank (this bank) | CBLR | NA | NA | NA | 20.06% | |
| Southwind Bank | $186.6M | CBLR | NA | NA | NA | 10.42% |
| Gulf Coast Business Bank | $186.6M | CBLR | NA | NA | NA | 12.53% |
| The First National Bank of Raymond | $187.1M | CBLR | NA | NA | NA | 10.91% |
| Savannah Bank, N.A. | $187.2M | Risk-based | 17.81% | 17.81% | 19.06% | 8.92% |
| Liberty Trust & Savings Bank | $186.2M | CBLR | NA | NA | NA | 20.65% |
| Farmers State Bank | $186.2M | Risk-based | 31.65% | 31.65% | 32.91% | 15.44% |
| Citizens Federal Savings & Loan Association | $186.1M | Risk-based | 20.15% | 20.15% | 20.45% | 10.90% |
| Prairie Community Bank | $187.5M | Risk-based | 12.01% | 12.01% | 13.26% | 8.75% |
| Farmers State Bank | $187.5M | Risk-based | 12.88% | 12.88% | 13.97% | 9.30% |
| Bank of Richmondville | $185.9M | Risk-based | 27.52% | 27.52% | 28.78% | 11.54% |
| Peer 25th percentile | 14.11% | 14.11% | 15.24% | 9.58% | ||
| Peer median | 18.98% | 18.98% | 19.75% | 10.91% | ||
| Peer 75th percentile | 25.68% | 25.68% | 26.69% | 12.29% | ||
| This bank's percentile | NA | NA | NA | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/320070/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.