Vermilion Valley 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%.
Retained earnings rose 2.6% from Q1 2026 to Q2 2026, ending at $27.1M against $26.4M. It was the largest change among the key lines on this page. Among 198 Illinois banks, Vermilion Valley Bank sits 16th from the top on CET1 ratio, 26.59% as of Q2 2026. Vermilion Valley Bank's CET1 ratio of 26.59% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 11.52 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.59% |
| Tier 1 risk-based capital ratio | 26.59% |
| Total risk-based capital ratio | 27.61% |
| Tier 1 leverage ratio | 16.70% |
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 | $32.8M |
| Tier 1 capital | $32.8M |
| Total risk-based capital | $34.0M |
| Total equity capital | $31.1M |
| Risk-weighted assets | $123.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.70% |
| Tangible equity to tangible assets | 15.39% |
| Equity capital to average assets | 15.79% |
| Internal capital growth rate | 9.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $6.3M |
| Retained earnings | $27.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 29.78% | 29.78% | 31.03% | 16.43% | $93.3M |
| Q4 2023 | 25.55% | 25.55% | 26.63% | 16.56% | $110.2M |
| Q1 2024 | 25.97% | 25.97% | 27.06% | 16.34% | $110.2M |
| Q2 2024 | 26.91% | 26.91% | 28.06% | 16.78% | $107.9M |
| Q3 2024 | 27.29% | 27.29% | 28.45% | 16.78% | $107.9M |
| Q4 2024 | 25.41% | 25.41% | 26.48% | 16.64% | $117.3M |
| Q1 2025 | 25.78% | 25.78% | 26.85% | 16.83% | $117.3M |
| Q2 2025 | 26.57% | 26.57% | 27.65% | 16.94% | $115.3M |
| Q3 2025 | 26.95% | 26.95% | 28.02% | 16.66% | $115.3M |
| Q4 2025 | 25.95% | 25.95% | 26.97% | 16.62% | $121.7M |
| Q1 2026 | 26.39% | 26.39% | 27.41% | 16.72% | $121.7M |
| Q2 2026 | 26.59% | 26.59% | 27.61% | 16.70% | $123.3M |
Vermilion Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermilion Valley 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 Vermilion Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11667) · FFIEC NIC profile (RSSD 666844)