Yampa 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%.
Accumulated other comprehensive income climbed 14.3% in Q2 2026, from -$7.0M to -$6.0M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.39% |
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 | $64.2M |
| Tier 1 capital | $64.2M |
| Total risk-based capital | — |
| Total equity capital | $58.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.46% |
| Tangible equity to tangible assets | 8.46% |
| Equity capital to average assets | 8.51% |
| Internal capital growth rate | 16.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $8.6M |
| Retained earnings | $53.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.0M |
| 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 | 11.07% | 11.07% | 12.32% | 8.25% | $460.8M |
| Q4 2023 | 11.27% | 11.27% | 12.52% | 8.29% | $462.4M |
| Q1 2024 | 11.41% | 11.41% | 12.66% | 8.56% | $464.9M |
| Q2 2024 | 11.20% | 11.20% | 12.46% | 8.87% | $487.6M |
| Q3 2024 | — | — | — | 9.06% | — |
| Q4 2024 | — | — | — | 9.17% | — |
| Q1 2025 | — | — | — | 9.29% | — |
| Q2 2025 | — | — | — | 9.46% | — |
| Q3 2025 | — | — | — | 9.32% | — |
| Q4 2025 | — | — | — | 9.37% | — |
| Q1 2026 | — | — | — | 9.09% | — |
| Q2 2026 | — | — | — | 9.39% | — |
Yampa Valley Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Yampa 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 Yampa Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35407) · FFIEC NIC profile (RSSD 2806635)