Bank of the Mountains, 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%.
Risk-weighted assets climbed 10.0% in Q2 2026, from $63.6M to $69.9M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Bank of the Mountains, Inc. is 49th of 69 on CET1 ratio, 13.17% as of Q2 2026, below the middle of the field. Bank of the Mountains, Inc. reported 13.17% on CET1 ratio for Q2 2026, 1.90 points below 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 | 13.17% |
| Tier 1 risk-based capital ratio | 13.17% |
| Total risk-based capital ratio | 14.43% |
| Tier 1 leverage ratio | 9.23% |
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 | $9.2M |
| Tier 1 capital | $9.2M |
| Total risk-based capital | $10.1M |
| Total equity capital | $9.3M |
| Risk-weighted assets | $69.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 9.30% |
| Internal capital growth rate | 1.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $191K |
| Common stock surplus | $1.2M |
| Retained earnings | $8.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$74K |
| 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 | 14.15% | 14.15% | 15.33% | 9.44% | $59.1M |
| Q4 2023 | 14.42% | 14.42% | 15.67% | 10.04% | $61.3M |
| Q1 2024 | 14.02% | 14.02% | 15.27% | 10.36% | $63.8M |
| Q2 2024 | 13.70% | 13.70% | 14.95% | 9.83% | $62.3M |
| Q3 2024 | 14.03% | 14.03% | 15.28% | 9.99% | $63.3M |
| Q4 2024 | 14.30% | 14.30% | 15.55% | 9.90% | $63.7M |
| Q1 2025 | 14.40% | 14.40% | 15.65% | 9.78% | $64.0M |
| Q2 2025 | 14.23% | 14.23% | 15.48% | 9.69% | $65.9M |
| Q3 2025 | 13.90% | 13.90% | 15.15% | 9.58% | $67.1M |
| Q4 2025 | 13.54% | 13.54% | 14.79% | 9.39% | $68.9M |
| Q1 2026 | 14.67% | 14.67% | 15.93% | 9.50% | $63.6M |
| Q2 2026 | 13.17% | 13.17% | 14.43% | 9.23% | $69.9M |
Bank of the Mountains, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Mountains, 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 the Mountains, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21219) · FFIEC NIC profile (RSSD 422116)