Vantage 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.
Retained earnings dropped 38.2% in Q2 2026, from $1.9M to $1.2M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Vantage Bank is 8th from the bottom among 162 Minnesota banks, 10.12% (Q2 2026). The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Vantage Bank sits 9.84 points lower, at 10.12% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.12% |
| Tier 1 risk-based capital ratio | 10.12% |
| Total risk-based capital ratio | 11.37% |
| Tier 1 leverage ratio | 8.47% |
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 | $6.7M |
| Tier 1 capital | $6.7M |
| Total risk-based capital | $7.5M |
| Total equity capital | $7.0M |
| Risk-weighted assets | $66.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.24% |
| Tangible equity to tangible assets | 7.91% |
| Equity capital to average assets | 8.82% |
| Internal capital growth rate | 21.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $5.8M |
| Retained earnings | $1.2M |
| 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 | 10.77% | 10.77% | 11.90% | 8.14% | $47.7M |
| Q4 2023 | 11.13% | 11.13% | 12.30% | 8.12% | $47.8M |
| Q1 2024 | 11.47% | 11.47% | 12.64% | 8.74% | $48.5M |
| Q2 2024 | 10.36% | 10.36% | 11.48% | 8.62% | $53.0M |
| Q3 2024 | 10.34% | 10.34% | 11.47% | 8.64% | $55.7M |
| Q4 2024 | 10.46% | 10.46% | 11.66% | 8.60% | $57.0M |
| Q1 2025 | 10.85% | 10.85% | 12.10% | 8.74% | $57.6M |
| Q2 2025 | 10.22% | 10.22% | 11.47% | 8.62% | $59.9M |
| Q3 2025 | 10.84% | 10.84% | 12.09% | 8.78% | $59.6M |
| Q4 2025 | 11.16% | 11.16% | 12.41% | 8.81% | $60.3M |
| Q1 2026 | 11.25% | 11.25% | 12.50% | 9.12% | $62.8M |
| Q2 2026 | 10.12% | 10.12% | 11.37% | 8.47% | $66.2M |
Vantage Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vantage 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 Vantage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9733) · FFIEC NIC profile (RSSD 58355)