The 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 2.9% to $1.33B. The Village Bank ranks 25th of 59 Massachusetts banks on CET1 ratio, in the upper half at 14.74% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Village Bank sits 1.26 points higher, at 14.74% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.74% |
| Tier 1 risk-based capital ratio | 14.74% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 9.50% |
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 | $195.6M |
| Tier 1 capital | $195.6M |
| Total risk-based capital | $204.7M |
| Total equity capital | $176.4M |
| Risk-weighted assets | $1.33B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.53% |
| Tangible equity to tangible assets | 8.53% |
| Equity capital to average assets | 8.57% |
| Internal capital growth rate | 6.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $195.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.1M |
| 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 | 14.40% | 14.40% | 15.21% | 9.15% | $1.25B |
| Q4 2023 | 14.64% | 14.64% | 15.33% | 9.11% | $1.24B |
| Q1 2024 | 15.03% | 15.03% | 15.75% | 9.14% | $1.21B |
| Q2 2024 | 14.76% | 14.76% | 15.46% | 9.10% | $1.23B |
| Q3 2024 | 14.64% | 14.64% | 15.31% | 8.95% | $1.23B |
| Q4 2024 | 14.78% | 14.78% | 15.45% | 8.97% | $1.23B |
| Q1 2025 | 14.44% | 14.44% | 15.09% | 8.99% | $1.27B |
| Q2 2025 | 14.67% | 14.67% | 15.32% | 9.01% | $1.26B |
| Q3 2025 | 14.84% | 14.84% | 15.53% | 9.12% | $1.27B |
| Q4 2025 | 14.72% | 14.72% | 15.41% | 9.25% | $1.29B |
| Q1 2026 | 14.94% | 14.94% | 15.63% | 9.36% | $1.29B |
| Q2 2026 | 14.74% | 14.74% | 15.43% | 9.50% | $1.33B |
The Village Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26336) · FFIEC NIC profile (RSSD 173575)