Varo Bank, 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 average assets: 5.10 percentage points lower than in Q1 2026, at 20.04%.
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 | 18.46% |
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 | $61.1M |
| Tier 1 capital | $61.1M |
| Total risk-based capital | — |
| Total equity capital | $68.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.39% |
| Tangible equity to tangible assets | 17.24% |
| Equity capital to average assets | 20.04% |
| Internal capital growth rate | -102.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $956.5M |
| Retained earnings | -$882.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.0M |
| 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 | 25.14% | 24.12% | 23.29% |
| Q4 2023 | 23.41% | 22.15% | 21.11% |
| Q1 2024 | 21.65% | 18.86% | 17.74% |
| Q2 2024 | 20.90% | 18.64% | 16.58% |
| Q3 2024 | 18.66% | 17.98% | 15.39% |
| Q4 2024 | 14.50% | 13.42% | 10.49% |
| Q1 2025 | 23.08% | 24.64% | 21.13% |
| Q2 2025 | 20.60% | 24.65% | 20.07% |
| Q3 2025 | 16.67% | 19.52% | 14.54% |
| Q4 2025 | 32.32% | 25.16% | 22.09% |
| Q1 2026 | 23.62% | 24.43% | 21.51% |
| Q2 2026 | 18.46% | 20.39% | 17.24% |
Varo Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Varo Bank, 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 Varo Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59190) · FFIEC NIC profile (RSSD 5518023)