Valley State 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%.
Equity capital to total assets rose 0.56 percentage points from Q1 2026 to Q2 2026, ending at 17.26% against 16.70%. It was the largest change among the key lines on this page.
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 | 17.80% |
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 | $32.3M |
| Tier 1 capital | $32.3M |
| Total risk-based capital | — |
| Total equity capital | $29.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.26% |
| Tangible equity to tangible assets | 17.26% |
| Equity capital to average assets | 16.11% |
| Internal capital growth rate | 8.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $151K |
| Common stock surplus | $2.0M |
| Retained earnings | $30.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| 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 | 17.10% | 14.81% | 14.81% |
| Q4 2023 | 17.13% | 15.97% | 15.97% |
| Q1 2024 | 17.67% | 16.66% | 16.66% |
| Q2 2024 | 18.41% | 16.94% | 16.94% |
| Q3 2024 | 18.52% | 17.98% | 17.98% |
| Q4 2024 | 18.68% | 17.40% | 17.40% |
| Q1 2025 | 18.62% | 18.08% | 18.08% |
| Q2 2025 | 18.96% | 18.13% | 18.13% |
| Q3 2025 | 18.75% | 17.87% | 17.87% |
| Q4 2025 | 18.01% | 17.46% | 17.46% |
| Q1 2026 | 17.60% | 16.70% | 16.70% |
| Q2 2026 | 17.80% | 17.26% | 17.26% |
Valley State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26021) · FFIEC NIC profile (RSSD 595337)