Verimore 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.
The standout move of Q2 2026 was in Risk-weighted assets: 8.3% higher than in Q1 2026, at $506.8M. Within Missouri, Verimore Bank is 50th of 97 on CET1 ratio, 13.35% as of Q2 2026. Verimore Bank reported 13.35% on CET1 ratio for Q2 2026, 1.74 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.35% |
| Tier 1 risk-based capital ratio | 13.35% |
| Total risk-based capital ratio | 14.55% |
| Tier 1 leverage ratio | 10.62% |
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 | $67.6M |
| Tier 1 capital | $67.6M |
| Total risk-based capital | $73.7M |
| Total equity capital | $71.3M |
| Risk-weighted assets | $506.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.16% |
| Tangible equity to tangible assets | 10.60% |
| Equity capital to average assets | 11.13% |
| Internal capital growth rate | 6.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $37.1M |
| Retained earnings | $34.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$320K |
| 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 | 12.56% | 12.56% | 13.81% | 10.63% | $368.2M |
| Q4 2023 | 12.34% | 12.34% | 13.59% | 10.48% | $374.1M |
| Q1 2024 | 12.40% | 12.40% | 13.65% | 10.60% | $373.7M |
| Q2 2024 | 12.32% | 12.32% | 13.57% | 10.62% | $377.3M |
| Q3 2024 | 12.38% | 12.38% | 13.63% | 10.18% | $377.6M |
| Q4 2024 | 12.13% | 12.13% | 13.38% | 10.32% | $390.6M |
| Q1 2025 | 12.31% | 12.31% | 13.56% | 10.39% | $389.2M |
| Q2 2025 | 12.47% | 12.47% | 13.72% | 10.44% | $389.2M |
| Q3 2025 | 13.40% | 13.40% | 14.65% | 10.92% | $479.4M |
| Q4 2025 | 13.52% | 13.52% | 14.74% | 10.49% | $482.5M |
| Q1 2026 | 14.18% | 14.18% | 15.44% | 10.58% | $467.8M |
| Q2 2026 | 13.35% | 13.35% | 14.55% | 10.62% | $506.8M |
Verimore Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Verimore 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 Verimore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28930) · FFIEC NIC profile (RSSD 710176)