Vision Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.38% (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: 6.38% (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 13.13% +6.63 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 | $94.6M | 94,573 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $720.4M | 720,420 | RCOAA223 |
| Recomputed ratio | 13.13% | numerator / denominator | |
| Filed ratio | 13.13% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.63 pp | $47.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.13% +5.13 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 | $94.6M | 94,573 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $720.4M | 720,420 | RCOAA223 |
| Recomputed ratio | 13.13% | numerator / denominator | |
| Filed ratio | 13.13% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.13 pp | $36.9M | capital that could be lost first |
Total risk-based capital ratio 14.38% +4.38 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 | $103.6M | 103,623 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $720.4M | 720,420 | RCOAA223 |
| Recomputed ratio | 14.38% | numerator / denominator | |
| Filed ratio | 14.38% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.38 pp | $31.6M | capital that could be lost first |
Tier 1 leverage ratio 9.20% +4.20 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 | $94.6M | 94,573 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.03B | 1,028,148 | RCOAA224 |
| Recomputed ratio | 9.20% | numerator / denominator | |
| Filed ratio | 9.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.20 pp | $43.2M | 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 | 23,300 | 23,300 | 23,300 | 23,300 | 23,300 | 23,300 | RCOAP742 |
| Retained earnings | 71,300 | 70,688 | 69,131 | 70,151 | 68,247 | 67,675 | RCOAKW00 |
| Accumulated other comprehensive income | (21,159) | (21,351) | (21,165) | (22,894) | (28,182) | (27,808) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 73,441 | 72,637 | 71,266 | 70,557 | 63,365 | 63,167 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 21,132 | 18,323 | 21,137 | 22,867 | 28,154 | 27,781 | P859 - P840 |
| Common equity Tier 1 capital | 94,573 | 90,960 | 92,403 | 93,424 | 91,519 | 90,948 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 94,573 | 90,960 | 92,403 | 93,424 | 91,519 | 90,948 | RCOA8274 |
| Tier 2 capital | 9,050 | 9,049 | 8,921 | 8,790 | 8,793 | 8,975 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,050 | 9,049 | 8,921 | 8,790 | 8,793 | 8,975 | RCOA5310 |
| Total capital | 103,623 | 100,009 | 101,324 | 102,214 | 100,312 | 99,923 | RCOA3792 |
| Total risk-weighted assets | 720,420 | 721,025 | 710,910 | 701,403 | 701,831 | 716,256 | RCOAA223 |
| Average total assets for the leverage ratio | 1,028,148 | 999,800 | 974,966 | 974,407 | 977,405 | 986,033 | 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 | $20.3M | $2.3M | 11.41% | 0.32% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $210.5M | $52.5M | 24.96% | 7.26% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $129.1M | $29.5M | 22.82% | 4.07% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $339.8M | $194.3M | 57.19% | 26.84% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $12.5M | $12.5M | 100.00% | 1.72% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $353.1M | $352.5M | 99.82% | 48.69% | RC-R Part II, item 4.d, 5.d |
| All other assets | $48.0M | $45.8M | 95.41% | 6.32% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $472K | $5.9M | 1250.00% | 0.81% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $21.6M | $21.6M | 100.00% | 2.98% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $7.0M | NA | 0.97% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $716.9M | does not tie to item 31 ($723.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $724.0M | RCONB704 |
| Less: excess allowance for credit losses | $3.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $720.4M | 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 | 13.13% | 13.13% | 14.38% | 9.20% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 12.62% | 12.62% | 13.87% | 9.10% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 13.00% | 13.00% | 14.25% | 9.48% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.32% | 13.32% | 14.57% | 9.59% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.04% | 13.04% | 14.29% | 9.36% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.70% | 12.70% | 13.95% | 9.22% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.53% | 12.53% | 13.78% | 8.99% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.35% | 12.35% | 13.60% | 8.74% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.13% | 12.13% | 13.38% | 8.60% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.17% | 12.17% | 13.42% | 8.83% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.46% | 12.46% | 13.71% | 9.02% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.57% | 12.57% | 13.82% | 9.04% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| Vision Bank (this bank) | Risk-based | 13.13% | 13.13% | 14.38% | 9.20% | |
| Farmers and Merchants Bank | $998.8M | Risk-based | 25.46% | 25.46% | 26.72% | 15.25% |
| HCN Bank | $998.4M | CBLR | NA | NA | NA | 11.70% |
| The Bank of Old Monroe | $994.6M | CBLR | NA | NA | NA | 10.55% |
| First Federal Community Bank, N.A. | $994.6M | Risk-based | 12.74% | 12.74% | 13.82% | 9.40% |
| Peoples State Bank | $993.0M | Risk-based | 16.02% | 16.02% | 17.27% | 11.54% |
| Ciera Bank | $992.9M | Risk-based | 13.36% | 13.36% | 14.62% | 11.13% |
| First Federal Bank of Kansas City | $992.5M | CBLR | NA | NA | NA | 11.32% |
| Tennessee State Bank | $990.8M | Risk-based | 12.63% | 12.63% | 13.85% | 9.31% |
| Hometown Bank, N.A. | $990.4M | Risk-based | 14.29% | 14.29% | 15.23% | 11.33% |
| The Farmers National Bank of Danville | $989.8M | Risk-based | 13.52% | 13.52% | 14.78% | 10.58% |
| Peer 25th percentile | 13.05% | 13.05% | 14.23% | 10.56% | ||
| Peer median | 13.52% | 13.52% | 14.78% | 11.23% | ||
| Peer 75th percentile | 15.15% | 15.15% | 16.25% | 11.49% | ||
| This bank's percentile | 29 | 29 | 29 | 0 |
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/241157/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.