Valley State 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 17.80% +8.80 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 | $32.3M | 32,326 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $181.6M | 181,607 | RCOAA224 |
| Recomputed ratio | 17.80% | numerator / denominator | |
| Filed ratio | 17.80% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.80 pp | $16.0M | 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 | 2,110 | 2,110 | 2,110 | 2,110 | 2,110 | 2,110 | RCOAP742 |
| Retained earnings | 30,216 | 29,631 | 29,195 | 28,719 | 28,239 | 27,812 | RCOAKW00 |
| Accumulated other comprehensive income | (3,066) | (3,069) | (2,514) | (2,655) | (3,300) | (3,226) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,260 | 28,672 | 28,791 | 28,174 | 27,049 | 26,696 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,066 | 3,069 | 2,514 | 2,655 | 3,300 | 3,226 | P859 - P840 |
| Common equity Tier 1 capital | 32,326 | 31,741 | 31,305 | 30,829 | 30,349 | 29,922 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 32,326 | 31,741 | 31,305 | 30,829 | 30,349 | 29,922 | 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 | 181,607 | 180,375 | 173,838 | 164,442 | 160,039 | 160,670 | 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 | 17.80% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 17.60% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 18.01% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 18.75% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 18.96% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 18.62% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 18.68% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 18.52% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 18.41% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 17.67% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 17.13% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 17.10% | 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 State Bank (this bank) | CBLR | NA | NA | NA | 17.80% | |
| State Bank of Reeseville | $169.5M | CBLR | NA | NA | NA | 9.58% |
| Templeton Savings Bank | $169.6M | CBLR | NA | NA | NA | 14.50% |
| Millville Savings Bank | $169.9M | Risk-based | 26.41% | 26.41% | 27.66% | 13.63% |
| American Bank of Baxter Springs | $170.2M | CBLR | NA | NA | NA | 9.98% |
| Union State Bank | $168.7M | CBLR | NA | NA | NA | 9.28% |
| Peoples Bank & Trust Company | $168.6M | CBLR | NA | NA | NA | 14.70% |
| Equitable Savings and Loan Association | $168.3M | Risk-based | 29.05% | 29.05% | 29.42% | 15.69% |
| Farmers and Merchants Bank | $170.7M | CBLR | NA | NA | NA | 16.16% |
| Peer 25th percentile | 27.07% | 27.07% | 28.10% | 9.88% | ||
| Peer median | 27.73% | 27.73% | 28.54% | 14.06% | ||
| Peer 75th percentile | 28.39% | 28.39% | 28.98% | 14.94% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/595337/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.