Vermilion Valley Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 19.61% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 19.61% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 26.59% +20.09 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $32.8M | 32,792 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $123.3M | 123,303 | RCOAA223 |
| Recomputed ratio | 26.59% | numerator / denominator | |
| Filed ratio | 26.59% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +20.09 pp | $24.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 26.59% +18.59 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $32.8M | 32,792 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $123.3M | 123,303 | RCOAA223 |
| Recomputed ratio | 26.59% | numerator / denominator | |
| Filed ratio | 26.59% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +18.59 pp | $22.9M | capital that could be lost first |
Total risk-based capital ratio 27.61% +17.61 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $34.0M | 34,040 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $123.3M | 123,303 | RCOAA223 |
| Recomputed ratio | 27.61% | numerator / denominator | |
| Filed ratio | 27.61% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +17.61 pp | $21.7M | capital that could be lost first |
Tier 1 leverage ratio 16.70% +11.70 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $32.8M | 32,792 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $196.3M | 196,349 | RCOAA224 |
| Recomputed ratio | 16.70% | numerator / denominator | |
| Filed ratio | 16.70% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +11.70 pp | $23.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 6,462 | 6,462 | 6,462 | 6,462 | 6,462 | 6,462 | RCOAP742 |
| Retained earnings | 27,071 | 26,383 | 25,851 | 25,337 | 24,908 | 24,522 | RCOAKW00 |
| Accumulated other comprehensive income | (2,412) | (2,415) | (2,537) | (2,205) | (3,370) | (3,613) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 31,121 | 30,430 | 29,776 | 29,594 | 28,000 | 27,371 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,671 | 1,674 | 1,796 | 1,464 | 2,629 | 2,872 | P859 - P840 |
| Common equity Tier 1 capital | 32,792 | 32,104 | 31,572 | 31,058 | 30,629 | 30,243 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 32,792 | 32,104 | 31,572 | 31,058 | 30,629 | 30,243 | RCOA8274 |
| Tier 2 capital | 1,248 | 1,248 | 1,241 | 1,239 | 1,239 | 1,248 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,248 | 1,248 | 1,241 | 1,239 | 1,239 | 1,248 | RCOA5310 |
| Total capital | 34,040 | 33,352 | 32,813 | 32,297 | 31,868 | 31,491 | RCOA3792 |
| Total risk-weighted assets | 123,303 | 121,670 | 121,670 | 115,258 | 115,258 | 117,295 | RCOAA223 |
| Average total assets for the leverage ratio | 196,349 | 192,041 | 189,935 | 186,388 | 180,805 | 179,702 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $4.8M | $635K | 13.20% | 0.51% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $77.7M | $15.5M | 20.00% | 12.61% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $21.5M | $10.7M | 50.00% | 8.71% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $27K | $27K | 100.00% | 0.02% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $93.5M | $92.5M | 98.93% | 75.02% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.3M | $3.9M | 89.10% | 3.13% | RC-R Part II, item 8 |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $123.3M | ties to item 31 ($123.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $123.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $123.3M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 26.59% | 26.59% | 27.61% | 16.70% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 26.39% | 26.39% | 27.41% | 16.72% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 25.95% | 25.95% | 26.97% | 16.62% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 26.95% | 26.95% | 28.02% | 16.66% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 26.57% | 26.57% | 27.65% | 16.94% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 25.78% | 25.78% | 26.85% | 16.83% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 25.41% | 25.41% | 26.48% | 16.64% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 27.29% | 27.29% | 28.45% | 16.78% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 26.91% | 26.91% | 28.06% | 16.78% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 25.97% | 25.97% | 27.06% | 16.34% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 25.55% | 25.55% | 26.63% | 16.56% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 29.78% | 29.78% | 31.03% | 16.43% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Vermilion Valley Bank (this bank) | Risk-based | 26.59% | 26.59% | 27.61% | 16.70% | |
| The Goldman Sachs Trust Company, N.A. | $198.2M | Risk-based | 242.56% | 242.56% | 242.56% | 82.94% |
| Farmers State Bank of Hamel | $198.3M | CBLR | NA | NA | NA | 9.52% |
| Commerce Bank & Trust | $197.9M | Risk-based | 14.12% | 14.12% | 15.38% | 10.46% |
| Simmesport State Bank | $198.5M | CBLR | NA | NA | NA | 12.28% |
| Harpeth Bank & Trust | $197.7M | Risk-based | 19.91% | 19.91% | 21.17% | 15.18% |
| Fidelity Bank | $198.6M | Risk-based | 11.02% | 11.02% | 11.78% | 7.97% |
| Magnolia State Bank | $198.7M | CBLR | NA | NA | NA | 15.65% |
| State Bank & Trust Co. | $197.6M | Risk-based | 17.50% | 17.50% | 18.72% | 11.03% |
| Lyons Federal Bank | $197.6M | CBLR | NA | NA | NA | 12.70% |
| Gouverneur Savings and Loan Association | $198.9M | Risk-based | 24.73% | 24.73% | 25.74% | 14.53% |
| Peer 25th percentile | 14.97% | 14.97% | 16.21% | 10.60% | ||
| Peer median | 18.71% | 18.71% | 19.94% | 12.49% | ||
| Peer 75th percentile | 23.53% | 23.53% | 24.59% | 15.02% | ||
| This bank's percentile | 83 | 83 | 83 | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/666844/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.