Vermont State 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%.
Total risk-based capital ratio climbed 4.27 percentage points in Q2 2026, from 60.34% to 64.61%. It was the largest change from Q1 2026 among the key lines here. Among 198 Illinois banks, Vermont State Bank sits 3rd from the top on CET1 ratio, 62.96% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, Vermont State Bank reported 62.96% on CET1 ratio in Q2 2026, 43.40 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 62.96% |
| Tier 1 risk-based capital ratio | 63.32% |
| Total risk-based capital ratio | 64.61% |
| Tier 1 leverage ratio | 28.17% |
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 | $8.7M |
| Tier 1 capital | $8.7M |
| Total risk-based capital | $8.9M |
| Total equity capital | $8.6M |
| Risk-weighted assets | $13.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 27.65% |
| Tangible equity to tangible assets | 27.65% |
| Equity capital to average assets | 27.54% |
| Internal capital growth rate | 22.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $70K |
| Common stock surplus | $6.0M |
| Retained earnings | $2.7M |
| Preferred stock and surplus | $50K |
| Accumulated other comprehensive income | -$251K |
| 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 | 39.18% | 39.18% | 40.45% | 23.84% | $14.6M |
| Q4 2023 | 40.76% | 40.76% | 42.04% | 22.70% | $13.9M |
| Q1 2024 | 34.97% | 34.97% | 36.24% | 22.35% | $15.7M |
| Q2 2024 | 39.59% | 39.59% | 40.87% | 23.02% | $14.4M |
| Q3 2024 | 43.13% | 43.49% | 44.76% | 22.78% | $13.8M |
| Q4 2024 | 52.47% | 52.88% | 54.21% | 24.19% | $12.1M |
| Q1 2025 | 48.84% | 48.84% | 50.13% | 24.56% | $13.3M |
| Q2 2025 | 48.81% | 49.16% | 50.46% | 25.42% | $14.0M |
| Q3 2025 | 50.14% | 50.49% | 51.78% | 27.06% | $14.3M |
| Q4 2025 | 54.41% | 54.77% | 56.05% | 27.51% | $13.9M |
| Q1 2026 | 58.69% | 59.05% | 60.34% | 26.47% | $13.9M |
| Q2 2026 | 62.96% | 63.32% | 64.61% | 28.17% | $13.8M |
Vermont State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermont State 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 Vermont State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16585) · FFIEC NIC profile (RSSD 187648)