Willamette Valley 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%.
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.
Compared with Q1 2026, Equity capital to total assets fell 0.70 percentage points in Q2 2026 to 16.27%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.99% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $77.1M |
| Tier 1 capital | $77.1M |
| Total risk-based capital | — |
| Total equity capital | $75.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.27% |
| Tangible equity to tangible assets | 16.27% |
| Equity capital to average assets | 16.69% |
| Internal capital growth rate | 1.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $14.9M |
| Common stock surplus | $3.3M |
| Retained earnings | $58.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 18.72% | 18.02% | 18.02% |
| Q4 2023 | 18.56% | 18.32% | 18.32% |
| Q1 2024 | 18.73% | 18.23% | 18.23% |
| Q2 2024 | 15.64% | 14.99% | 14.99% |
| Q3 2024 | 15.28% | 14.77% | 14.77% |
| Q4 2024 | 15.67% | 15.54% | 15.54% |
| Q1 2025 | 16.25% | 15.82% | 15.82% |
| Q2 2025 | 16.66% | 16.09% | 16.09% |
| Q3 2025 | 16.49% | 16.36% | 16.36% |
| Q4 2025 | 16.98% | 16.82% | 16.82% |
| Q1 2026 | 17.16% | 16.97% | 16.97% |
| Q2 2026 | 16.99% | 16.27% | 16.27% |
Willamette Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Willamette Valley 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 Willamette Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57033) · FFIEC NIC profile (RSSD 2954497)