Vanguard National Trust Company, N.A.: 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 10.03 percentage points higher than in Q1 2026, at 45.83%. Against a median of 15.07% for banks in the $100M-1B asset tier, Vanguard National Trust Company, N.A. reported 146.81% on CET1 ratio in Q2 2026, 131.74 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 146.81% |
| Tier 1 risk-based capital ratio | 146.85% |
| Total risk-based capital ratio | 146.85% |
| Tier 1 leverage ratio | 47.63% |
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 | $90.1M |
| Tier 1 capital | $90.1M |
| Total risk-based capital | $90.1M |
| Total equity capital | $90.1M |
| Risk-weighted assets | $61.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 45.83% |
| Tangible equity to tangible assets | 45.83% |
| Equity capital to average assets | 47.63% |
| Internal capital growth rate | 7.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $17.0M |
| Retained earnings | $72.0M |
| Preferred stock and surplus | $22K |
| 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 | 208.52% | 208.57% | 208.57% | 69.44% | $35.9M |
| Q4 2023 | 188.49% | 188.54% | 188.54% | 69.89% | $40.9M |
| Q1 2024 | 176.81% | 176.85% | 176.85% | 52.63% | $44.3M |
| Q2 2024 | 168.90% | 168.94% | 168.94% | 57.57% | $46.9M |
| Q3 2024 | 199.69% | 199.74% | 199.74% | 60.20% | $40.3M |
| Q4 2024 | 190.24% | 190.29% | 190.29% | 59.54% | $42.9M |
| Q1 2025 | 184.43% | 184.47% | 184.47% | 45.25% | $45.1M |
| Q2 2025 | 182.35% | 182.40% | 182.40% | 54.04% | $46.4M |
| Q3 2025 | 170.83% | 170.88% | 170.88% | 58.97% | $50.2M |
| Q4 2025 | 157.12% | 157.16% | 157.16% | 57.49% | $55.3M |
| Q1 2026 | 154.11% | 154.15% | 154.15% | 42.16% | $57.4M |
| Q2 2026 | 146.81% | 146.85% | 146.85% | 47.63% | $61.3M |
Vanguard National Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vanguard National Trust Company, N.A., 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 Vanguard National Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3045383)