Bank of Lexington, Inc.: 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 average assets rose 0.37 percentage points from Q1 2026 to Q2 2026, ending at 11.22% against 10.84%. It was the largest change among the key lines on this page. Within Kentucky, Bank of Lexington, Inc. is 28th of 69 on CET1 ratio, 16.25% as of Q2 2026, above the middle of the field. Bank of Lexington, Inc. reported 16.25% on CET1 ratio for Q2 2026, 1.18 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 | 16.25% |
| Tier 1 risk-based capital ratio | 16.25% |
| Total risk-based capital ratio | 16.88% |
| Tier 1 leverage ratio | 11.50% |
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 | $46.1M |
| Tier 1 capital | $46.1M |
| Total risk-based capital | $47.9M |
| Total equity capital | $45.0M |
| Risk-weighted assets | $283.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.95% |
| Tangible equity to tangible assets | 10.95% |
| Equity capital to average assets | 11.22% |
| Internal capital growth rate | 7.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $15.9M |
| Retained earnings | $28.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 17.55% | 17.55% | 18.26% | 10.36% | $222.6M |
| Q4 2023 | 17.85% | 17.85% | 18.58% | 10.89% | $223.3M |
| Q1 2024 | 18.14% | 18.14% | 18.88% | 11.86% | $222.6M |
| Q2 2024 | 16.84% | 16.84% | 17.55% | 11.52% | $229.9M |
| Q3 2024 | 16.18% | 16.18% | 16.86% | 11.35% | $241.3M |
| Q4 2024 | 15.85% | 15.85% | 16.53% | 11.10% | $247.8M |
| Q1 2025 | 14.92% | 14.92% | 15.56% | 8.75% | $269.7M |
| Q2 2025 | 15.64% | 15.64% | 16.30% | 9.50% | $264.6M |
| Q3 2025 | 16.16% | 16.16% | 16.82% | 9.93% | $265.1M |
| Q4 2025 | 16.56% | 16.56% | 17.22% | 10.40% | $266.8M |
| Q1 2026 | 16.33% | 16.33% | 16.97% | 11.12% | $277.4M |
| Q2 2026 | 16.25% | 16.25% | 16.88% | 11.50% | $283.9M |
Bank of Lexington, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lexington, Inc., 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 Lexington, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58164) · FFIEC NIC profile (RSSD 3410141)