Ventura National Bank & Trust: 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: 1.64 percentage points lower than in Q1 2026, at 18.15%.
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 | 17.95% |
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 | $8.6M |
| Tier 1 capital | $8.6M |
| Total risk-based capital | — |
| Total equity capital | $8.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.84% |
| Tangible equity to tangible assets | 20.84% |
| Equity capital to average assets | 18.15% |
| Internal capital growth rate | -1.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.1M |
| Common stock surplus | $0 |
| Retained earnings | -$373K |
| 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 | — | — | — | 10.03% | — |
| Q4 2023 | — | — | — | 9.71% | — |
| Q1 2024 | — | — | — | 9.47% | — |
| Q2 2024 | 17.73% | 17.73% | 18.98% | 9.74% | $8.8M |
| Q3 2024 | 17.73% | 17.73% | 18.98% | 9.43% | $8.9M |
| Q4 2024 | 41.25% | 41.25% | 42.38% | 23.26% | $21.9M |
| Q1 2025 | 43.14% | 43.14% | 44.33% | 25.93% | $20.9M |
| Q2 2025 | 34.83% | 34.83% | 35.99% | 26.74% | $25.6M |
| Q3 2025 | — | — | — | 18.32% | — |
| Q4 2025 | — | — | — | 15.28% | — |
| Q1 2026 | — | — | — | 19.60% | — |
| Q2 2026 | — | — | — | 17.95% | — |
Ventura National Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ventura National Bank & Trust, 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 Ventura National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4683) · FFIEC NIC profile (RSSD 931458)