Vermilion Bank & Trust Company: 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%.
Accumulated other comprehensive income rose 6.2% from Q1 2026 to Q2 2026, ending at -$1.1M against -$1.1M. It was the largest change among the key lines on this page. Within Louisiana, Vermilion Bank & Trust Company is 14th of 46 on CET1 ratio, 23.97% as of Q2 2026, above the middle of the field. Vermilion Bank & Trust Company's CET1 ratio of 23.97% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 8.90 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.97% |
| Tier 1 risk-based capital ratio | 23.97% |
| Total risk-based capital ratio | 25.22% |
| Tier 1 leverage ratio | 12.55% |
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 | $18.8M |
| Tier 1 capital | $18.8M |
| Total risk-based capital | $19.8M |
| Total equity capital | $17.7M |
| Risk-weighted assets | $78.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.19% |
| Tangible equity to tangible assets | 12.19% |
| Equity capital to average assets | 11.85% |
| Internal capital growth rate | 9.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $4.8M |
| Retained earnings | $13.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 19.77% | 19.77% | 21.04% | 10.88% | $76.0M |
| Q4 2023 | 19.23% | 19.23% | 20.49% | 10.75% | $79.2M |
| Q1 2024 | 20.73% | 20.73% | 22.00% | 9.99% | $74.5M |
| Q2 2024 | 20.92% | 20.92% | 22.19% | 10.48% | $76.1M |
| Q3 2024 | 21.68% | 21.68% | 22.95% | 10.91% | $76.0M |
| Q4 2024 | 20.46% | 20.46% | 21.73% | 11.11% | $78.8M |
| Q1 2025 | 21.77% | 21.77% | 23.04% | 10.99% | $76.3M |
| Q2 2025 | 22.31% | 22.31% | 23.58% | 11.31% | $76.5M |
| Q3 2025 | 22.69% | 22.69% | 23.96% | 11.80% | $77.4M |
| Q4 2025 | 22.36% | 22.36% | 23.61% | 11.83% | $79.9M |
| Q1 2026 | 23.83% | 23.83% | 25.09% | 11.96% | $77.2M |
| Q2 2026 | 23.97% | 23.97% | 25.22% | 12.55% | $78.4M |
Vermilion Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermilion Bank & Trust Company, 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 Vermilion Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17841) · FFIEC NIC profile (RSSD 754536)