Verus Bank of Commerce: 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%.
Equity capital to total assets rose 0.72 percentage points from Q1 2026 to Q2 2026, ending at 18.65% against 17.94%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.46% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $37.3M |
| Tier 1 capital | $37.3M |
| Total risk-based capital | — |
| Total equity capital | $37.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.65% |
| Tangible equity to tangible assets | 18.65% |
| Equity capital to average assets | 18.64% |
| Internal capital growth rate | 6.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $13.4M |
| Common stock surplus | $13.2M |
| Retained earnings | $11.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 18.49% | 18.43% | 18.43% |
| Q4 2023 | 18.19% | 19.15% | 19.15% |
| Q1 2024 | 18.58% | 17.81% | 17.81% |
| Q2 2024 | 18.99% | 19.32% | 19.32% |
| Q3 2024 | 19.35% | 20.03% | 20.03% |
| Q4 2024 | 18.64% | 18.99% | 18.99% |
| Q1 2025 | 18.76% | 19.28% | 19.28% |
| Q2 2025 | 19.34% | 19.88% | 19.88% |
| Q3 2025 | 19.79% | 19.90% | 19.90% |
| Q4 2025 | 18.62% | 19.19% | 19.19% |
| Q1 2026 | 18.61% | 17.94% | 17.94% |
| Q2 2026 | 18.46% | 18.65% | 18.65% |
Verus Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Verus Bank of Commerce, 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 Verus Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58025) · FFIEC NIC profile (RSSD 3322468)