Auburn Banking Company: 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, Risk-weighted assets rose 5.8% in Q2 2026 to $119.8M, the biggest move on this page. Auburn Banking Company has the 3rd lowest CET1 ratio of the 69 banks headquartered in Kentucky, at 11.00% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Auburn Banking Company sits 4.07 points lower, at 11.00% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 11.80% |
| Tier 1 leverage ratio | 8.26% |
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 | $13.2M |
| Tier 1 capital | $13.2M |
| Total risk-based capital | $14.1M |
| Total equity capital | $11.4M |
| Risk-weighted assets | $119.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.93% |
| Tangible equity to tangible assets | 6.93% |
| Equity capital to average assets | 7.13% |
| Internal capital growth rate | 2.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $7.3M |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 10.81% | 10.81% | 11.41% | 8.26% | $95.9M |
| Q4 2023 | 10.98% | 10.98% | 11.67% | 8.30% | $98.2M |
| Q1 2024 | 11.01% | 11.01% | 11.77% | 8.07% | $100.1M |
| Q2 2024 | 10.59% | 10.59% | 11.36% | 8.10% | $103.9M |
| Q3 2024 | 9.92% | 9.92% | 10.63% | 8.11% | $113.6M |
| Q4 2024 | 11.43% | 11.43% | 12.18% | 8.49% | $103.8M |
| Q1 2025 | 11.81% | 11.81% | 12.56% | 8.68% | $102.6M |
| Q2 2025 | 11.68% | 11.68% | 12.43% | 8.53% | $103.8M |
| Q3 2025 | 11.63% | 11.63% | 12.39% | 8.76% | $106.7M |
| Q4 2025 | 11.63% | 11.63% | 12.44% | 8.58% | $109.9M |
| Q1 2026 | 11.56% | 11.56% | 12.37% | 8.52% | $113.3M |
| Q2 2026 | 11.00% | 11.00% | 11.80% | 8.26% | $119.8M |
Auburn Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn Banking Company, 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 Auburn Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 284) · FFIEC NIC profile (RSSD 811541)