Citizens Bank of Kentucky, 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 total assets rose 0.52 percentage points from Q1 2026 to Q2 2026, ending at 13.42% against 12.90%. It was the largest change among the key lines on this page. Within Kentucky, Citizens Bank of Kentucky, Inc is 10th of 69 on CET1 ratio, 23.49% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Citizens Bank of Kentucky, Inc reported 23.49% on CET1 ratio in Q2 2026, 8.42 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.49% |
| Tier 1 risk-based capital ratio | 23.49% |
| Total risk-based capital ratio | 24.74% |
| Tier 1 leverage ratio | 13.51% |
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 | $90.7M |
| Tier 1 capital | $90.7M |
| Total risk-based capital | $95.6M |
| Total equity capital | $89.9M |
| Risk-weighted assets | $386.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.42% |
| Tangible equity to tangible assets | 11.35% |
| Equity capital to average assets | 13.07% |
| Internal capital growth rate | 4.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $51.9M |
| Retained earnings | $49.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.8M |
| 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 | 22.86% | 22.86% | 24.12% | 12.14% | $366.4M |
| Q4 2023 | 22.84% | 22.84% | 24.09% | 12.66% | $369.8M |
| Q1 2024 | 22.65% | 22.65% | 23.90% | 12.80% | $373.8M |
| Q2 2024 | 22.23% | 22.23% | 23.48% | 12.92% | $383.4M |
| Q3 2024 | 23.08% | 23.08% | 24.33% | 12.81% | $368.4M |
| Q4 2024 | 23.19% | 23.19% | 24.44% | 12.80% | $369.8M |
| Q1 2025 | 23.17% | 23.17% | 24.42% | 12.92% | $372.2M |
| Q2 2025 | 23.40% | 23.40% | 24.65% | 12.81% | $372.3M |
| Q3 2025 | 23.53% | 23.53% | 24.78% | 12.75% | $373.3M |
| Q4 2025 | 23.39% | 23.39% | 24.64% | 12.83% | $379.7M |
| Q1 2026 | 23.46% | 23.46% | 24.71% | 13.25% | $382.1M |
| Q2 2026 | 23.49% | 23.49% | 24.74% | 13.51% | $386.3M |
Citizens Bank of Kentucky, Inc regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Kentucky, 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 Citizens Bank of Kentucky, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2718) · FFIEC NIC profile (RSSD 495419)