Visionbank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings dropped 57.8% in Q2 2026, from $1.5M to $653K. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Visionbank is 110th of 162 on CET1 ratio, 12.47% as of Q2 2026. Visionbank reported 12.47% on CET1 ratio for Q2 2026, 2.61 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.47% |
| Tier 1 risk-based capital ratio | 12.47% |
| Total risk-based capital ratio | 13.45% |
| Tier 1 leverage ratio | 9.99% |
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 | $24.9M |
| Tier 1 capital | $24.9M |
| Total risk-based capital | $26.9M |
| Total equity capital | $24.9M |
| Risk-weighted assets | $199.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.81% |
| Tangible equity to tangible assets | 9.81% |
| Equity capital to average assets | 9.99% |
| Internal capital growth rate | -13.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $24.1M |
| Retained earnings | $653K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 12.43% | 12.43% | 13.36% | 9.52% | $166.8M |
| Q4 2023 | 11.71% | 11.71% | 12.63% | 9.42% | $184.7M |
| Q1 2024 | 12.08% | 12.08% | 13.02% | 9.33% | $187.5M |
| Q2 2024 | 12.28% | 12.28% | 13.23% | 9.22% | $194.5M |
| Q3 2024 | 11.96% | 11.96% | 12.93% | 8.93% | $198.9M |
| Q4 2024 | 11.60% | 11.60% | 12.57% | 9.11% | $209.0M |
| Q1 2025 | 11.74% | 11.74% | 12.70% | 9.42% | $215.2M |
| Q2 2025 | 12.46% | 12.46% | 13.48% | 9.26% | $202.4M |
| Q3 2025 | 13.31% | 13.31% | 14.30% | 9.51% | $188.9M |
| Q4 2025 | 12.74% | 12.74% | 13.76% | 9.63% | $196.8M |
| Q1 2026 | 13.03% | 13.03% | 14.01% | 10.07% | $198.0M |
| Q2 2026 | 12.47% | 12.47% | 13.45% | 9.99% | $199.7M |
Visionbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Visionbank, 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 Visionbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58063) · FFIEC NIC profile (RSSD 3357077)