Visionbank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.45% (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: 5.45% (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 12.47% +5.97 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 | $24.9M | 24,899 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $199.7M | 199,699 | RCOAA223 |
| Recomputed ratio | 12.47% | numerator / denominator | |
| Filed ratio | 12.47% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.97 pp | $11.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.47% +4.47 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 | $24.9M | 24,899 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $199.7M | 199,699 | RCOAA223 |
| Recomputed ratio | 12.47% | numerator / denominator | |
| Filed ratio | 12.47% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.47 pp | $8.9M | capital that could be lost first |
Total risk-based capital ratio 13.45% +3.45 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 | $26.9M | 26,850 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $199.7M | 199,699 | RCOAA223 |
| Recomputed ratio | 13.45% | numerator / denominator | |
| Filed ratio | 13.45% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.45 pp | $6.9M | capital that could be lost first |
Tier 1 leverage ratio 9.99% +4.99 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 | $24.9M | 24,899 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $249.3M | 249,311 | RCOAA224 |
| Recomputed ratio | 9.99% | numerator / denominator | |
| Filed ratio | 9.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.99 pp | $12.4M | 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 | 24,246 | 24,246 | 24,246 | 24,246 | 24,246 | 24,246 | RCOAP742 |
| Retained earnings | 653 | 1,548 | 828 | 898 | 984 | 1,023 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 24,899 | 25,794 | 25,074 | 25,144 | 25,230 | 25,269 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 24,899 | 25,794 | 25,074 | 25,144 | 25,230 | 25,269 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 24,899 | 25,794 | 25,074 | 25,144 | 25,230 | 25,269 | RCOA8274 |
| Tier 2 capital | 1,951 | 1,943 | 2,005 | 1,879 | 2,054 | 2,057 | RCOA5311 |
| Allowance includable in Tier 2 capital | 1,951 | 1,943 | 2,005 | 1,879 | 2,054 | 2,057 | RCOA5310 |
| Total capital | 26,850 | 27,737 | 27,079 | 27,023 | 27,284 | 27,326 | RCOA3792 |
| Total risk-weighted assets | 199,699 | 197,992 | 196,848 | 188,949 | 202,417 | 215,230 | RCOAA223 |
| Average total assets for the leverage ratio | 249,311 | 256,045 | 260,359 | 264,263 | 272,525 | 268,176 | 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 | $25.5M | $43K | 0.17% | 0.02% | RC-R Part II, item 1 |
| Loans: residential mortgage | $65.0M | $35.5M | 54.66% | 17.80% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $487K | $730K | 150.00% | 0.37% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $159.2M | $152.3M | 95.65% | 76.26% | RC-R Part II, item 4.d, 5.d |
| All other assets | $5.5M | $3.4M | 61.20% | 1.68% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $7.5M | $7.5M | 100.00% | 3.75% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $253K | NA | 0.13% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $199.4M | does not tie to item 31 ($199.7M) |
|---|---|---|
| Risk-weighted assets before deductions | $199.7M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $199.7M | 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 | 12.47% | 12.47% | 13.45% | 9.99% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 13.03% | 13.03% | 14.01% | 10.07% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.74% | 12.74% | 13.76% | 9.63% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.31% | 13.31% | 14.30% | 9.51% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.46% | 12.46% | 13.48% | 9.26% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.74% | 11.74% | 12.70% | 9.42% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.60% | 11.60% | 12.57% | 9.11% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.96% | 11.96% | 12.93% | 8.93% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.28% | 12.28% | 13.23% | 9.22% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.08% | 12.08% | 13.02% | 9.33% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.71% | 11.71% | 12.63% | 9.42% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.43% | 12.43% | 13.36% | 9.52% | 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 |
|---|---|---|---|---|---|---|
| Visionbank (this bank) | Risk-based | 12.47% | 12.47% | 13.45% | 9.99% | |
| Raritan State Bank | $253.9M | CBLR | NA | NA | NA | 10.78% |
| Security Bank | $253.8M | CBLR | NA | NA | NA | 11.58% |
| Merchants Bank | $254.3M | Risk-based | 13.87% | 13.87% | 15.03% | 10.56% |
| Union Bank and Trust Company | $253.4M | Risk-based | 16.16% | 16.16% | 17.41% | 10.02% |
| The Clay City Banking Co. | $253.3M | Risk-based | 15.72% | 15.72% | 16.70% | 10.24% |
| Genubank | $253.2M | CBLR | NA | NA | NA | 15.93% |
| Malvern Bank | $253.2M | Risk-based | 10.56% | 10.56% | 11.61% | 8.91% |
| Gulf Atlantic Bank | $253.2M | Risk-based | 11.05% | 11.05% | 11.84% | 9.38% |
| Mountain Valley Bank | $254.6M | Risk-based | 15.17% | 15.17% | 16.05% | 10.02% |
| Bank of Perry County | $253.1M | Risk-based | 12.76% | 12.76% | 13.91% | 9.11% |
| Peer 25th percentile | 11.91% | 11.91% | 12.88% | 9.54% | ||
| Peer median | 13.87% | 13.87% | 15.03% | 10.13% | ||
| Peer 75th percentile | 15.45% | 15.45% | 16.37% | 10.72% | ||
| This bank's percentile | 29 | 29 | 29 | 30 |
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/3357077/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.