Commercial Trust Company of Fayette: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.41% +1.41 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $16.8M | 16,806 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $161.5M | 161,498 | RCOAA224 |
| Recomputed ratio | 10.41% | numerator / denominator | |
| Filed ratio | 10.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.41 pp | $2.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 360 | 360 | 360 | 360 | 360 | 360 | RCOAP742 |
| Retained earnings | 16,446 | 16,108 | 15,950 | 16,419 | 16,299 | 15,999 | RCOAKW00 |
| Accumulated other comprehensive income | (334) | (326) | (322) | (343) | (575) | (709) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,472 | 16,142 | 15,988 | 16,436 | 16,084 | 15,650 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 334 | 326 | 322 | 343 | 575 | 709 | P859 - P840 |
| Common equity Tier 1 capital | 16,806 | 16,468 | 16,310 | 16,779 | 16,659 | 16,359 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,806 | 16,468 | 16,310 | 16,779 | 16,659 | 16,359 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 161,498 | 159,733 | 152,794 | 153,897 | 155,868 | 155,981 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.41% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.31% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.67% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.90% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.69% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.49% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.56% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.10% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 17.81% | 17.81% | 19.05% | 10.69% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.99% | 16.99% | 18.24% | 10.53% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.25% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.79% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Commercial Trust Company of Fayette (this bank) | CBLR | NA | NA | NA | 10.41% | |
| Bank of Maysville | $164.0M | Risk-based | 30.26% | 30.26% | 31.08% | 16.94% |
| The Salyersville National Bank | $163.5M | Risk-based | 23.15% | 23.15% | 23.94% | 14.24% |
| Northeast Missouri State Bank | $164.1M | Risk-based | 21.24% | 21.24% | 22.18% | 11.11% |
| Movement Bank | $164.2M | Risk-based | 16.64% | 16.64% | 18.95% | 11.09% |
| Auburn Banking Company | $164.3M | Risk-based | 11.00% | 11.00% | 11.80% | 8.26% |
| Beacon Business Bank, N.A. | $164.4M | CBLR | NA | NA | NA | 11.63% |
| The Farmers National Bank of Lebanon | $163.0M | CBLR | NA | NA | NA | 10.72% |
| Security Bank of Pulaski County | $162.9M | Risk-based | 13.55% | 13.55% | 14.80% | 8.91% |
| Northwestern Bank, N.A. | $164.7M | CBLR | NA | NA | NA | 11.15% |
| Fidelity Bank of Texas | $162.8M | CBLR | NA | NA | NA | 10.65% |
| Peer 25th percentile | 14.32% | 14.32% | 15.84% | 10.67% | ||
| Peer median | 18.94% | 18.94% | 20.57% | 11.10% | ||
| Peer 75th percentile | 22.68% | 22.68% | 23.50% | 11.51% | ||
| This bank's percentile | NA | NA | NA | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/709451/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.