Central Bank & Trust Company: 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%.
Compared with Q1 2026, Retained earnings rose 2.9% in Q2 2026 to $438.0M, the biggest move on this page. Central Bank & Trust Company ranks 33rd of 69 Kentucky banks on CET1 ratio, in the upper half at 15.12% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Central Bank & Trust Company sits 1.64 points higher, at 15.12% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.08% |
| Tier 1 leverage ratio | 12.42% |
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 | $496.8M |
| Tier 1 capital | $496.8M |
| Total risk-based capital | $528.7M |
| Total equity capital | $502.8M |
| Risk-weighted assets | $3.29B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.53% |
| Tangible equity to tangible assets | 12.22% |
| Equity capital to average assets | 12.52% |
| Internal capital growth rate | 10.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $69.6M |
| Retained earnings | $438.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.4M |
| 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 | 13.09% | 13.09% | 14.16% | 10.99% | $3.01B |
| Q4 2023 | 13.21% | 13.21% | 14.28% | 11.31% | $3.04B |
| Q1 2024 | 13.07% | 13.07% | 14.14% | 11.79% | $3.12B |
| Q2 2024 | 13.10% | 13.10% | 14.20% | 11.76% | $3.18B |
| Q3 2024 | 13.44% | 13.44% | 14.52% | 11.83% | $3.17B |
| Q4 2024 | 13.71% | 13.71% | 14.72% | 11.94% | $3.17B |
| Q1 2025 | 14.04% | 14.04% | 15.04% | 12.13% | $3.17B |
| Q2 2025 | 14.42% | 14.42% | 15.42% | 12.10% | $3.16B |
| Q3 2025 | 14.80% | 14.80% | 15.78% | 12.15% | $3.16B |
| Q4 2025 | 14.80% | 14.80% | 15.81% | 12.04% | $3.22B |
| Q1 2026 | 15.03% | 15.03% | 16.01% | 12.35% | $3.22B |
| Q2 2026 | 15.12% | 15.12% | 16.08% | 12.42% | $3.29B |
Central Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank & Trust Company, 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 Central Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15815) · FFIEC NIC profile (RSSD 1007015)