Bank of Hindman: 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 Equity capital to total assets, which rose 0.41 percentage points to 7.51%. Bank of Hindman ranks 30th of 69 Kentucky banks on CET1 ratio, in the upper half at 15.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Hindman sits 0.88 points higher, at 15.95% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.95% |
| Tier 1 risk-based capital ratio | 15.95% |
| Total risk-based capital ratio | 16.93% |
| Tier 1 leverage ratio | 9.19% |
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 | $24.9M |
| Tier 1 capital | $24.9M |
| Total risk-based capital | $26.4M |
| Total equity capital | $19.5M |
| Risk-weighted assets | $156.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.51% |
| Tangible equity to tangible assets | 5.91% |
| Equity capital to average assets | 7.07% |
| Internal capital growth rate | 2.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $21.4M |
| Retained earnings | $7.4M |
| 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 | 14.59% | 14.59% | 15.59% | 8.81% | $164.1M |
| Q4 2023 | 15.19% | 15.19% | 16.20% | 8.89% | $159.0M |
| Q1 2024 | 15.30% | 15.30% | 16.30% | 8.99% | $158.8M |
| Q2 2024 | 15.16% | 15.16% | 16.15% | 8.99% | $160.9M |
| Q3 2024 | 15.01% | 15.01% | 15.98% | 9.12% | $163.4M |
| Q4 2024 | 15.05% | 15.05% | 16.00% | 9.15% | $163.8M |
| Q1 2025 | 15.20% | 15.20% | 16.17% | 9.13% | $161.9M |
| Q2 2025 | 15.15% | 15.15% | 16.11% | 9.11% | $162.4M |
| Q3 2025 | 15.54% | 15.54% | 16.51% | 9.29% | $159.0M |
| Q4 2025 | 15.24% | 15.24% | 16.19% | 9.10% | $162.7M |
| Q1 2026 | 15.63% | 15.63% | 16.56% | 9.08% | $158.9M |
| Q2 2026 | 15.95% | 15.95% | 16.93% | 9.19% | $156.3M |
Bank of Hindman regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hindman, 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 Hindman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 289) · FFIEC NIC profile (RSSD 763211)