Bank of Edmonson County: 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%.
Equity capital to total assets rose 0.42 percentage points from Q1 2026 to Q2 2026, ending at 9.24% against 8.81%. It was the largest change among the key lines on this page. Within Kentucky, Bank of Edmonson County is 23rd of 69 on CET1 ratio, 16.81% as of Q2 2026, above the middle of the field. Bank of Edmonson County reported 16.81% on CET1 ratio for Q2 2026, 1.74 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.81% |
| Tier 1 risk-based capital ratio | 16.81% |
| Total risk-based capital ratio | 17.96% |
| Tier 1 leverage ratio | 10.57% |
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 | $30.7M |
| Tier 1 capital | $30.7M |
| Total risk-based capital | $32.8M |
| Total equity capital | $26.2M |
| Risk-weighted assets | $182.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.24% |
| Tangible equity to tangible assets | 9.24% |
| Equity capital to average assets | 9.02% |
| Internal capital growth rate | 7.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $8.0M |
| Retained earnings | $22.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 15.31% | 15.31% | 16.26% | 10.54% | $186.7M |
| Q4 2023 | 15.30% | 15.30% | 16.26% | 10.54% | $186.0M |
| Q1 2024 | 15.49% | 15.49% | 16.43% | 10.18% | $186.0M |
| Q2 2024 | 15.53% | 15.53% | 16.41% | 10.07% | $187.6M |
| Q3 2024 | 15.61% | 15.61% | 16.56% | 10.10% | $187.6M |
| Q4 2024 | 15.55% | 15.55% | 16.58% | 10.09% | $187.1M |
| Q1 2025 | 15.75% | 15.75% | 16.80% | 10.23% | $187.1M |
| Q2 2025 | 16.47% | 16.47% | 17.54% | 10.32% | $182.8M |
| Q3 2025 | 16.52% | 16.52% | 17.60% | 10.47% | $182.8M |
| Q4 2025 | 16.54% | 16.54% | 17.68% | 10.29% | $181.1M |
| Q1 2026 | 16.67% | 16.67% | 17.81% | 10.25% | $181.1M |
| Q2 2026 | 16.81% | 16.81% | 17.96% | 10.57% | $182.6M |
Bank of Edmonson County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Edmonson County, 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 Edmonson County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 296) · FFIEC NIC profile (RSSD 903240)