West Valley 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%.
Compared with Q1 2026, Total equity capital fell 3.1% in Q2 2026 to $6.8M, the biggest move on this page. West Valley National Bank has the 2nd lowest CET1 ratio of the 8 banks headquartered in Arizona, at 12.13% as of Q2 2026. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. West Valley National Bank sits 7.43 points lower, at 12.13% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.13% |
| Tier 1 risk-based capital ratio | 12.13% |
| Total risk-based capital ratio | 13.38% |
| Tier 1 leverage ratio | 9.36% |
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 | $6.9M |
| Tier 1 capital | $6.9M |
| Total risk-based capital | $7.6M |
| Total equity capital | $6.8M |
| Risk-weighted assets | $56.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.09% |
| Tangible equity to tangible assets | 9.09% |
| Equity capital to average assets | 9.16% |
| Internal capital growth rate | -12.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $27.0M |
| Retained earnings | -$22.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$145K |
| 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 | 18.30% | 18.30% | 19.55% | 14.47% | $61.2M |
| Q4 2023 | 17.57% | 17.57% | 18.82% | 14.43% | $61.5M |
| Q1 2024 | 17.74% | 17.74% | 18.99% | 14.51% | $59.1M |
| Q2 2024 | 17.40% | 17.40% | 18.65% | 14.72% | $58.8M |
| Q3 2024 | 17.69% | 17.69% | 18.94% | 14.65% | $56.3M |
| Q4 2024 | 15.81% | 15.81% | 17.06% | 13.88% | $59.0M |
| Q1 2025 | 15.23% | 15.23% | 16.48% | 12.89% | $59.0M |
| Q2 2025 | 13.51% | 13.51% | 14.76% | 11.82% | $63.4M |
| Q3 2025 | 13.65% | 13.65% | 14.90% | 11.87% | $62.6M |
| Q4 2025 | 13.15% | 13.15% | 14.40% | 10.33% | $57.6M |
| Q1 2026 | 12.35% | 12.35% | 13.60% | 9.51% | $57.6M |
| Q2 2026 | 12.13% | 12.13% | 13.38% | 9.36% | $56.9M |
West Valley National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Valley 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 West Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58426) · FFIEC NIC profile (RSSD 3480069)