Clinton Bank: 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, Common equity Tier 1 ratio fell 0.82 percentage points in Q2 2026 to 21.81%, the biggest move on this page. Within Kentucky, Clinton Bank is 14th of 69 on CET1 ratio, 21.81% as of Q2 2026, above the middle of the field. Clinton Bank reported 21.81% on CET1 ratio for Q2 2026, 2.25 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.81% |
| Tier 1 risk-based capital ratio | 21.81% |
| Total risk-based capital ratio | 22.98% |
| Tier 1 leverage ratio | 16.82% |
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 | $12.2M |
| Tier 1 capital | $12.2M |
| Total risk-based capital | $12.8M |
| Total equity capital | $10.7M |
| Risk-weighted assets | $55.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.18% |
| Tangible equity to tangible assets | 15.18% |
| Equity capital to average assets | 14.79% |
| Internal capital growth rate | -10.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $900K |
| Retained earnings | $10.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 25.37% | 25.37% | 26.31% | 19.98% | $49.7M |
| Q4 2023 | 24.54% | 24.54% | 25.45% | 18.27% | $51.3M |
| Q1 2024 | 26.25% | 26.25% | 27.24% | 17.46% | $48.3M |
| Q2 2024 | 25.37% | 25.37% | 26.35% | 19.21% | $49.9M |
| Q3 2024 | — | — | — | 18.70% | — |
| Q4 2024 | 26.00% | 26.00% | 27.05% | 18.38% | $49.2M |
| Q1 2025 | 25.69% | 25.69% | 26.74% | 18.02% | $50.0M |
| Q2 2025 | 24.79% | 24.79% | 25.84% | 17.35% | $51.0M |
| Q3 2025 | 24.23% | 24.23% | 25.30% | 17.89% | $52.3M |
| Q4 2025 | 22.97% | 22.97% | 24.02% | 17.52% | $55.1M |
| Q1 2026 | 22.63% | 22.63% | 23.73% | 17.22% | $54.9M |
| Q2 2026 | 21.81% | 21.81% | 22.98% | 16.82% | $55.7M |
Clinton Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Clinton Bank, 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 Clinton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 304) · FFIEC NIC profile (RSSD 782548)