Commercial 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%.
Total risk-based capital ratio rose 1.02 percentage points from Q1 2026 to Q2 2026, ending at 17.72% against 16.71%. It was the largest change among the key lines on this page. Within Kentucky, Commercial Bank is 24th of 69 on CET1 ratio, 16.62% as of Q2 2026, above the middle of the field. Commercial Bank reported 16.62% on CET1 ratio for Q2 2026, 1.55 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 | 16.62% |
| Tier 1 risk-based capital ratio | 16.62% |
| Total risk-based capital ratio | 17.72% |
| Tier 1 leverage ratio | 10.05% |
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 | $22.0M |
| Tier 1 capital | $22.0M |
| Total risk-based capital | $23.4M |
| Total equity capital | $21.1M |
| Risk-weighted assets | $132.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.75% |
| Tangible equity to tangible assets | 8.37% |
| Equity capital to average assets | 9.51% |
| Internal capital growth rate | 3.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $567K |
| Common stock surplus | $9.5M |
| Retained earnings | $15.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | 17.41% | 17.41% | 18.31% | 10.04% | $117.9M |
| Q4 2023 | 16.58% | 16.58% | 17.46% | 10.09% | $121.6M |
| Q1 2024 | 16.85% | 16.85% | 17.75% | 10.04% | $122.4M |
| Q2 2024 | 16.57% | 16.57% | 17.48% | 9.84% | $125.1M |
| Q3 2024 | 16.82% | 16.82% | 17.74% | 9.91% | $124.8M |
| Q4 2024 | 16.17% | 16.17% | 17.06% | 9.71% | $128.0M |
| Q1 2025 | 16.42% | 16.42% | 17.33% | 9.93% | $129.3M |
| Q2 2025 | 16.26% | 16.26% | 17.24% | 10.02% | $131.5M |
| Q3 2025 | 16.03% | 16.03% | 16.99% | 10.14% | $136.3M |
| Q4 2025 | 15.46% | 15.46% | 16.43% | 9.94% | $136.3M |
| Q1 2026 | 15.70% | 15.70% | 16.71% | 9.94% | $138.6M |
| Q2 2026 | 16.62% | 16.62% | 17.72% | 10.05% | $132.1M |
Commercial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9310) · FFIEC NIC profile (RSSD 358112)