The 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%.
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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which fell 0.25 percentage points to 11.00%.
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 | 12.18% |
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 | $25.0M |
| Tier 1 capital | $25.0M |
| Total risk-based capital | — |
| Total equity capital | $22.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.24% |
| Tangible equity to tangible assets | 11.24% |
| Equity capital to average assets | 11.00% |
| Internal capital growth rate | -0.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $1.4M |
| Retained earnings | $23.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 11.54% | 8.96% | 8.96% |
| Q4 2023 | 11.70% | 9.61% | 9.61% |
| Q1 2024 | 11.84% | 9.59% | 9.59% |
| Q2 2024 | 11.88% | 9.97% | 9.97% |
| Q3 2024 | 12.00% | 10.68% | 10.68% |
| Q4 2024 | 11.80% | 10.04% | 10.04% |
| Q1 2025 | 11.93% | 10.72% | 10.72% |
| Q2 2025 | 12.23% | 11.15% | 11.15% |
| Q3 2025 | 12.62% | 11.81% | 11.81% |
| Q4 2025 | 12.32% | 11.68% | 11.68% |
| Q1 2026 | 12.23% | 11.34% | 11.34% |
| Q2 2026 | 12.18% | 11.24% | 11.24% |
The Valley State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Valley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15038) · FFIEC NIC profile (RSSD 1005552)