Bank of Clarkson: 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 5.7% to -$4.7M. Within Kentucky, Bank of Clarkson is 17th of 69 on CET1 ratio, 19.02% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Clarkson sits 3.95 points higher, at 19.02% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.02% |
| Tier 1 risk-based capital ratio | 19.02% |
| Total risk-based capital ratio | 19.55% |
| Tier 1 leverage ratio | 12.45% |
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 | $23.0M |
| Tier 1 capital | $23.0M |
| Total risk-based capital | $23.6M |
| Total equity capital | $18.2M |
| Risk-weighted assets | $120.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.23% |
| Tangible equity to tangible assets | 10.23% |
| Equity capital to average assets | 9.88% |
| Internal capital growth rate | 6.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $6.8M |
| Retained earnings | $15.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.7M |
| 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 | 19.49% | 19.49% | 20.01% | 13.02% | $99.8M |
| Q4 2023 | 18.87% | 18.87% | 19.38% | 12.50% | $104.8M |
| Q1 2024 | 20.39% | 20.39% | 20.96% | 12.42% | $98.4M |
| Q2 2024 | 20.23% | 20.23% | 20.83% | 11.73% | $100.1M |
| Q3 2024 | 19.30% | 19.30% | 19.89% | 11.87% | $105.9M |
| Q4 2024 | 18.98% | 18.98% | 19.54% | 12.34% | $109.4M |
| Q1 2025 | 19.01% | 19.01% | 19.59% | 12.28% | $110.6M |
| Q2 2025 | 18.78% | 18.78% | 19.34% | 12.28% | $113.8M |
| Q3 2025 | 18.63% | 18.63% | 19.18% | 12.38% | $117.4M |
| Q4 2025 | 18.93% | 18.93% | 19.48% | 12.40% | $117.7M |
| Q1 2026 | 18.85% | 18.85% | 19.39% | 12.36% | $120.3M |
| Q2 2026 | 19.02% | 19.02% | 19.55% | 12.45% | $120.8M |
Bank of Clarkson regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Clarkson, 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 Clarkson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13167) · FFIEC NIC profile (RSSD 720344)