Bank of Cadiz and Trust 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%.
The standout move of Q2 2026 was in Retained earnings: 8.6% higher than in Q1 2026, at $3.4M. Within Kentucky, Bank of Cadiz and Trust Company is 32nd of 69 on CET1 ratio, 15.30% as of Q2 2026, above the middle of the field. At 15.30%, Bank of Cadiz and Trust Company's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.30% |
| Tier 1 risk-based capital ratio | 15.30% |
| Total risk-based capital ratio | 16.12% |
| Tier 1 leverage ratio | 9.07% |
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 | $13.9M |
| Tier 1 capital | $13.9M |
| Total risk-based capital | $14.6M |
| Total equity capital | $4.0M |
| Risk-weighted assets | $90.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 2.81% |
| Tangible equity to tangible assets | 2.81% |
| Equity capital to average assets | 2.63% |
| Internal capital growth rate | 27.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $10.2M |
| Retained earnings | $3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.9M |
| 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 | 17.58% | 17.58% | 18.65% | 8.32% | $70.1M |
| Q4 2023 | 18.34% | 18.34% | 19.44% | 8.65% | $68.9M |
| Q1 2024 | 17.49% | 17.49% | 18.57% | 8.40% | $71.5M |
| Q2 2024 | 17.89% | 17.89% | 18.99% | 8.56% | $70.7M |
| Q3 2024 | 17.40% | 17.40% | 18.48% | 8.85% | $73.8M |
| Q4 2024 | 17.92% | 17.92% | 19.01% | 9.21% | $74.1M |
| Q1 2025 | 17.74% | 17.74% | 18.84% | 8.99% | $74.5M |
| Q2 2025 | 17.56% | 17.56% | 18.66% | 8.97% | $76.7M |
| Q3 2025 | 16.93% | 16.93% | 17.98% | 9.10% | $80.9M |
| Q4 2025 | 16.23% | 16.23% | 17.26% | 9.03% | $85.1M |
| Q1 2026 | 15.43% | 15.43% | 16.43% | 8.87% | $88.2M |
| Q2 2026 | 15.30% | 15.30% | 16.12% | 9.07% | $90.7M |
Bank of Cadiz and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cadiz and Trust 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 Bank of Cadiz and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20239) · FFIEC NIC profile (RSSD 904845)