Virginia National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 13.35% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 13.35% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 20.52% +14.02 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $216.3M | 216,317 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.05B | 1,054,057 | RCOAA223 |
| Recomputed ratio | 20.52% | numerator / denominator | |
| Filed ratio | 20.52% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +14.02 pp | $147.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 20.52% +12.52 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $216.3M | 216,317 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.05B | 1,054,057 | RCOAA223 |
| Recomputed ratio | 20.52% | numerator / denominator | |
| Filed ratio | 20.52% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +12.52 pp | $132.0M | capital that could be lost first |
Total risk-based capital ratio 21.35% +11.35 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $225.0M | 225,023 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.05B | 1,054,057 | RCOAA223 |
| Recomputed ratio | 21.35% | numerator / denominator | |
| Filed ratio | 21.35% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +11.35 pp | $119.6M | capital that could be lost first |
Tier 1 leverage ratio 13.21% +8.21 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $216.3M | 216,317 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.64B | 1,637,493 | RCOAA224 |
| Recomputed ratio | 13.21% | numerator / denominator | |
| Filed ratio | 13.21% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +8.21 pp | $134.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 115,933 | 115,933 | 115,933 | 115,933 | 115,933 | 115,934 | RCOAP742 |
| Retained earnings | 110,351 | 102,838 | 99,556 | 95,392 | 92,906 | 90,575 | RCOAKW00 |
| Accumulated other comprehensive income | (31,043) | (31,944) | (30,668) | (33,184) | (36,894) | (38,341) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 195,241 | 186,827 | 184,821 | 178,141 | 171,945 | 168,168 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 21,076 | 21,742 | 20,218 | 22,474 | 25,913 | 27,076 | P859 - P840 |
| Common equity Tier 1 capital | 216,317 | 208,569 | 205,039 | 200,615 | 197,858 | 195,244 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 216,317 | 208,569 | 205,039 | 200,615 | 197,858 | 195,244 | RCOA8274 |
| Tier 2 capital | 8,706 | 8,470 | 8,813 | 8,913 | 8,672 | 8,741 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,706 | 8,470 | 8,813 | 8,913 | 8,672 | 8,741 | RCOA5310 |
| Total capital | 225,023 | 217,039 | 213,852 | 209,528 | 206,530 | 203,985 | RCOA3792 |
| Total risk-weighted assets | 1,054,057 | 1,057,237 | 1,059,206 | 1,051,550 | 1,073,607 | 1,087,440 | RCOAA223 |
| Average total assets for the leverage ratio | 1,637,493 | 1,665,945 | 1,659,284 | 1,655,352 | 1,658,209 | 1,667,120 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $77.3M | $7.3M | 9.42% | 0.69% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $274.1M | $65.0M | 23.73% | 6.17% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $438.4M | $292.1M | 66.64% | 27.72% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $7.2M | $10.8M | 150.00% | 1.03% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.8M | $8.7M | 150.00% | 0.82% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $782.6M | $547.7M | 69.99% | 51.96% | RC-R Part II, item 4.d, 5.d |
| All other assets | $88.1M | $79.2M | 89.86% | 7.51% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $46.3M | $43.2M | 93.34% | 4.10% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $800 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.05B | ties to item 31 ($1.05B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.05B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.05B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 20.52% | 20.52% | 21.35% | 13.21% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 19.73% | 19.73% | 20.53% | 12.52% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 19.36% | 19.36% | 20.19% | 12.36% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 19.08% | 19.08% | 19.93% | 12.12% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 18.43% | 18.43% | 19.24% | 11.93% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 17.95% | 17.95% | 18.76% | 11.71% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 17.77% | 17.77% | 18.60% | 11.55% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 17.86% | 17.86% | 18.70% | 11.69% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 17.65% | 17.65% | 18.46% | 11.36% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 17.48% | 17.48% | 18.29% | 11.17% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 17.29% | 17.29% | 18.12% | 11.05% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 17.81% | 17.81% | 18.61% | 11.16% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Virginia National Bank (this bank) | Risk-based | 20.52% | 20.52% | 21.35% | 13.21% | |
| Signature Bank of Arkansas | $1.63B | Risk-based | 11.92% | 11.92% | 13.17% | 9.57% |
| Citizens Tri-County Bank | $1.64B | CBLR | NA | NA | NA | 9.34% |
| US Metro Bank | $1.64B | Risk-based | 12.35% | 12.35% | 13.60% | 10.42% |
| International Bank of Commerce | $1.63B | Risk-based | 21.92% | 21.92% | 22.91% | 15.53% |
| Meredith Village Savings Bank | $1.64B | Risk-based | 15.09% | 15.09% | 16.33% | 10.26% |
| Forcht Bank, N.A. | $1.65B | Risk-based | 12.37% | 12.37% | 13.62% | 8.16% |
| The Ohio Valley Bank Company | $1.65B | CBLR | NA | NA | NA | 9.73% |
| Waukesha State Bank | $1.62B | CBLR | NA | NA | NA | 11.51% |
| Benchmark Bank | $1.65B | Risk-based | 11.89% | 11.89% | 13.11% | 8.47% |
| Bluestone Bank | $1.62B | Risk-based | 13.29% | 13.29% | 14.00% | 9.52% |
| Peer 25th percentile | 12.14% | 12.14% | 13.39% | 9.39% | ||
| Peer median | 12.37% | 12.37% | 13.62% | 9.65% | ||
| Peer 75th percentile | 14.19% | 14.19% | 15.17% | 10.38% | ||
| This bank's percentile | 86 | 86 | 86 | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2708122/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.