Valliance 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 9.31% +0.31 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 | $81.5M | 81,456 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $875.1M | 875,129 | RCOAA224 |
| Recomputed ratio | 9.31% | numerator / denominator | |
| Filed ratio | 9.31% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.31 pp | $2.7M | 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 | 42,750 | 42,750 | 42,750 | 42,750 | 42,750 | 42,750 | RCOAP742 |
| Retained earnings | 38,706 | 38,336 | 38,191 | 36,534 | 28,034 | 26,065 | RCOAKW00 |
| Accumulated other comprehensive income | (2,320) | (1,833) | (1,644) | (1,831) | (2,851) | (2,813) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 79,136 | 79,253 | 79,297 | 77,453 | 67,933 | 66,002 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,320 | 1,833 | 1,644 | 1,831 | 2,851 | 2,813 | P859 - P840 |
| Common equity Tier 1 capital | 81,456 | 81,086 | 80,941 | 79,284 | 70,784 | 68,815 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 81,456 | 81,086 | 80,941 | 79,284 | 70,784 | 68,815 | 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 | 875,129 | 819,194 | 794,353 | 761,900 | 741,666 | 722,912 | 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 | 9.31% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.90% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.19% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.41% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.54% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 9.52% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.66% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 9.26% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.28% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.53% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.50% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.09% | 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 |
|---|---|---|---|---|---|---|
| Valliance Bank (this bank) | CBLR | NA | NA | NA | 9.31% | |
| American Bank & Trust Company Inc. | $924.4M | Risk-based | 11.44% | 11.44% | 12.39% | 9.88% |
| First Northern Bank and Trust Company | $921.5M | CBLR | NA | NA | NA | 15.29% |
| Legends Bank | $927.7M | Risk-based | 12.09% | 12.09% | 13.10% | 9.98% |
| Stonehambank | $918.3M | Risk-based | 12.51% | 12.51% | 13.71% | 8.94% |
| The Juniata Valley Bank | $917.9M | Risk-based | 11.61% | 11.61% | 12.76% | 8.56% |
| West Alabama Bank & Trust | $929.0M | CBLR | NA | NA | NA | 12.22% |
| First National Bank of Waterloo | $929.3M | Risk-based | 12.88% | 12.88% | 14.13% | 9.21% |
| Century Next Bank | $916.4M | CBLR | NA | NA | NA | 11.95% |
| State Bank | $916.1M | CBLR | NA | NA | NA | 11.90% |
| Greenfield Banking Company | $930.5M | CBLR | NA | NA | NA | 13.92% |
| Peer 25th percentile | 11.61% | 11.61% | 12.76% | 9.38% | ||
| Peer median | 12.09% | 12.09% | 13.10% | 10.94% | ||
| Peer 75th percentile | 12.51% | 12.51% | 13.71% | 12.15% | ||
| This bank's percentile | NA | NA | NA | 30 |
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/3267738/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.