Virginia National 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%.
Retained earnings rose 7.3% from Q1 2026 to Q2 2026, ending at $110.3M against $102.8M. It was the largest change among the key lines on this page. Virginia National Bank ranks 7th of 44 Virginia banks on CET1 ratio, in the upper half at 20.52% (Q2 2026). Virginia National Bank's CET1 ratio of 20.52% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 7.04 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.52% |
| Tier 1 risk-based capital ratio | 20.52% |
| Total risk-based capital ratio | 21.35% |
| Tier 1 leverage ratio | 13.21% |
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 | $216.3M |
| Tier 1 capital | $216.3M |
| Total risk-based capital | $225.0M |
| Total equity capital | $195.2M |
| Risk-weighted assets | $1.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.93% |
| Tangible equity to tangible assets | 11.39% |
| Equity capital to average assets | 11.85% |
| Internal capital growth rate | 16.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.7M |
| Common stock surplus | $109.2M |
| Retained earnings | $110.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31.0M |
| 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 | 17.81% | 17.81% | 18.61% | 11.16% | $1.01B |
| Q4 2023 | 17.29% | 17.29% | 18.12% | 11.05% | $1.05B |
| Q1 2024 | 17.48% | 17.48% | 18.29% | 11.17% | $1.06B |
| Q2 2024 | 17.65% | 17.65% | 18.46% | 11.36% | $1.06B |
| Q3 2024 | 17.86% | 17.86% | 18.70% | 11.69% | $1.06B |
| Q4 2024 | 17.77% | 17.77% | 18.60% | 11.55% | $1.08B |
| Q1 2025 | 17.95% | 17.95% | 18.76% | 11.71% | $1.09B |
| Q2 2025 | 18.43% | 18.43% | 19.24% | 11.93% | $1.07B |
| Q3 2025 | 19.08% | 19.08% | 19.93% | 12.12% | $1.05B |
| Q4 2025 | 19.36% | 19.36% | 20.19% | 12.36% | $1.06B |
| Q1 2026 | 19.73% | 19.73% | 20.53% | 12.52% | $1.06B |
| Q2 2026 | 20.52% | 20.52% | 21.35% | 13.21% | $1.05B |
Virginia National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Virginia National 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 Virginia National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34755) · FFIEC NIC profile (RSSD 2708122)