American Bank & Trust Company Inc.: 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, Retained earnings rose 5.1% in Q2 2026 to $45.0M, the biggest move on this page. American Bank & Trust Company Inc. has the 6th lowest CET1 ratio of the 69 banks headquartered in Kentucky, at 11.44% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. American Bank & Trust Company Inc. sits 3.63 points lower, at 11.44% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.44% |
| Tier 1 risk-based capital ratio | 11.44% |
| Total risk-based capital ratio | 12.39% |
| Tier 1 leverage ratio | 9.88% |
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 | $89.9M |
| Tier 1 capital | $89.9M |
| Total risk-based capital | $97.3M |
| Total equity capital | $84.2M |
| Risk-weighted assets | $785.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.11% |
| Tangible equity to tangible assets | 9.11% |
| Equity capital to average assets | 9.26% |
| Internal capital growth rate | 10.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $43.7M |
| Retained earnings | $45.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 11.23% | 11.23% | 12.04% | 10.04% | $634.4M |
| Q4 2023 | 10.88% | 10.88% | 11.68% | 10.02% | $664.0M |
| Q1 2024 | 10.45% | 10.45% | 11.24% | 9.53% | $700.7M |
| Q2 2024 | 10.42% | 10.42% | 11.23% | 9.18% | $716.5M |
| Q3 2024 | 10.48% | 10.48% | 11.32% | 9.07% | $725.2M |
| Q4 2024 | 10.35% | 10.35% | 11.19% | 9.03% | $748.6M |
| Q1 2025 | 10.32% | 10.32% | 11.18% | 8.91% | $766.2M |
| Q2 2025 | 10.62% | 10.62% | 11.51% | 9.06% | $762.9M |
| Q3 2025 | 11.15% | 11.15% | 12.06% | 9.24% | $746.6M |
| Q4 2025 | 11.46% | 11.46% | 12.40% | 9.51% | $747.6M |
| Q1 2026 | 11.35% | 11.35% | 12.29% | 9.89% | $772.6M |
| Q2 2026 | 11.44% | 11.44% | 12.39% | 9.88% | $785.9M |
American Bank & Trust Company Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank & Trust Company Inc., 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 American Bank & Trust Company Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35568) · FFIEC NIC profile (RSSD 2919898)