Victory 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 27.7% in Q2 2026, from $2.8M to $3.6M. It was the largest change from Q1 2026 among the key lines here.
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 | 12.11% |
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 | $32.1M |
| Tier 1 capital | $32.1M |
| Total risk-based capital | — |
| Total equity capital | $33.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.80% |
| Tangible equity to tangible assets | 11.20% |
| Equity capital to average assets | 12.58% |
| Internal capital growth rate | 9.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $30.3M |
| Retained earnings | $3.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$452K |
| 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 | 51.38% | 51.38% | 52.20% | 23.74% | $51.6M |
| Q4 2023 | 42.70% | 42.70% | 43.68% | 22.14% | $61.9M |
| Q1 2024 | 35.11% | 35.11% | 36.04% | 21.15% | $75.7M |
| Q2 2024 | 34.37% | 34.37% | 35.33% | 19.50% | $78.3M |
| Q3 2024 | 31.56% | 31.56% | 32.54% | 17.02% | $86.8M |
| Q4 2024 | 28.98% | 28.98% | 29.91% | 16.61% | $96.1M |
| Q1 2025 | 24.52% | 24.52% | 25.47% | 15.45% | $115.2M |
| Q2 2025 | — | — | — | 13.40% | — |
| Q3 2025 | — | — | — | 12.70% | — |
| Q4 2025 | — | — | — | 12.18% | — |
| Q1 2026 | — | — | — | 12.33% | — |
| Q2 2026 | — | — | — | 12.11% | — |
Victory Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Victory 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 Victory Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18677) · FFIEC NIC profile (RSSD 304762)