Village Bank & Trust, N.A.: 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%.
Accumulated other comprehensive income dropped 15.9% in Q2 2026, from -$9.5M to -$11.1M. It was the largest change from Q1 2026 among the key lines here. Village Bank & Trust, N.A. ranks 174th of 198 Illinois banks on CET1 ratio, in the lower half at 10.97% (Q2 2026). Village Bank & Trust, N.A. reported 10.97% on CET1 ratio for Q2 2026, 2.51 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 11.88% |
| Tier 1 leverage ratio | 9.53% |
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 | $340.7M |
| Tier 1 capital | $340.7M |
| Total risk-based capital | $368.8M |
| Total equity capital | $362.7M |
| Risk-weighted assets | $3.11B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.00% |
| Tangible equity to tangible assets | 9.18% |
| Equity capital to average assets | 10.05% |
| Internal capital growth rate | 2.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $130.8M |
| Retained earnings | $242.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.1M |
| 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 | 11.34% | 11.34% | 12.32% | 10.21% | $2.29B |
| Q4 2023 | 10.97% | 10.97% | 11.94% | 9.83% | $2.33B |
| Q1 2024 | 11.30% | 11.30% | 12.33% | 10.16% | $2.37B |
| Q2 2024 | 11.06% | 11.06% | 12.07% | 9.85% | $2.41B |
| Q3 2024 | 10.77% | 10.77% | 11.68% | 9.70% | $2.52B |
| Q4 2024 | 10.60% | 10.60% | 11.46% | 9.62% | $2.71B |
| Q1 2025 | 11.21% | 11.21% | 12.18% | 9.94% | $2.68B |
| Q2 2025 | 11.11% | 11.11% | 11.95% | 9.91% | $2.72B |
| Q3 2025 | 10.64% | 10.64% | 11.50% | 9.30% | $2.85B |
| Q4 2025 | 10.61% | 10.61% | 11.59% | 9.43% | $3.00B |
| Q1 2026 | 11.29% | 11.29% | 12.18% | 9.84% | $3.00B |
| Q2 2026 | 10.97% | 10.97% | 11.88% | 9.53% | $3.11B |
Village Bank & Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Village Bank & Trust, N.A., 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 & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34011) · FFIEC NIC profile (RSSD 2298995)