Valor 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.
Equity capital to average assets fell 0.27 percentage points from Q1 2026 to Q2 2026, ending at 8.70% against 8.97%. It was the largest change among the key lines on this page. Within Oklahoma, Valor Bank is 61st of 71 on CET1 ratio, 12.02% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Valor Bank sits 3.06 points lower, at 12.02% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 13.18% |
| Tier 1 leverage ratio | 8.70% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $26.2M |
| Tier 1 capital | $26.2M |
| Total risk-based capital | $28.7M |
| Total equity capital | $26.2M |
| Risk-weighted assets | $217.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.64% |
| Tangible equity to tangible assets | 8.64% |
| Equity capital to average assets | 8.70% |
| Internal capital growth rate | 0.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $9.8M |
| Retained earnings | $16.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.14% | 11.14% | 12.23% | 8.25% | $162.9M |
| Q4 2023 | 11.28% | 11.28% | 12.37% | 8.02% | $167.3M |
| Q1 2024 | 11.40% | 11.40% | 12.51% | 8.04% | $171.3M |
| Q2 2024 | 11.54% | 11.54% | 12.69% | 8.10% | $173.6M |
| Q3 2024 | 11.17% | 11.17% | 12.31% | 8.07% | $183.8M |
| Q4 2024 | 11.52% | 11.52% | 12.62% | 8.10% | $186.1M |
| Q1 2025 | 11.05% | 11.05% | 12.16% | 8.16% | $200.5M |
| Q2 2025 | 11.38% | 11.38% | 12.50% | 8.12% | $200.4M |
| Q3 2025 | 12.44% | 12.44% | 13.60% | 8.66% | $193.6M |
| Q4 2025 | 12.02% | 12.02% | 13.14% | 9.05% | $210.3M |
| Q1 2026 | 11.82% | 11.82% | 12.96% | 8.97% | $220.9M |
| Q2 2026 | 12.02% | 12.02% | 13.18% | 8.70% | $217.5M |
Valor Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Valor 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 Valor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9467) · FFIEC NIC profile (RSSD 129358)