Village 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%.
The standout move of Q2 2026 was in Retained earnings: 14.2% higher than in Q1 2026, at $4.9M. Within Minnesota, Village Bank is 111th of 161 on CET1 ratio, 12.43% as of Q2 2026, below the middle of the field. Village Bank reported 12.43% on CET1 ratio for Q2 2026, 2.64 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.43% |
| Tier 1 risk-based capital ratio | 12.43% |
| Total risk-based capital ratio | 13.58% |
| Tier 1 leverage ratio | 8.98% |
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 | $37.4M |
| Tier 1 capital | $37.4M |
| Total risk-based capital | $40.9M |
| Total equity capital | $29.1M |
| Risk-weighted assets | $301.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.06% |
| Tangible equity to tangible assets | 7.06% |
| Equity capital to average assets | 6.98% |
| Internal capital growth rate | 8.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $141K |
| Common stock surplus | $32.4M |
| Retained earnings | $4.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| 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 | 12.19% | 12.19% | 13.45% | 8.11% | $275.0M |
| Q4 2023 | 12.07% | 12.07% | 13.32% | 8.27% | $282.3M |
| Q1 2024 | 12.02% | 12.02% | 13.27% | 8.23% | $283.8M |
| Q2 2024 | 11.80% | 11.80% | 13.06% | 8.21% | $290.5M |
| Q3 2024 | 12.30% | 12.30% | 13.55% | 8.32% | $282.6M |
| Q4 2024 | 12.28% | 12.28% | 13.53% | 8.48% | $288.9M |
| Q1 2025 | 12.41% | 12.41% | 13.66% | 8.76% | $289.1M |
| Q2 2025 | 12.65% | 12.65% | 13.91% | 8.87% | $285.2M |
| Q3 2025 | 12.69% | 12.69% | 13.94% | 8.93% | $288.7M |
| Q4 2025 | 12.39% | 12.39% | 13.64% | 8.62% | $297.4M |
| Q1 2026 | 12.38% | 12.38% | 13.52% | 8.78% | $297.4M |
| Q2 2026 | 12.43% | 12.43% | 13.58% | 8.98% | $301.2M |
Village Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Village 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 Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33761) · FFIEC NIC profile (RSSD 2010722)