Community Financial Services 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%.
Accumulated other comprehensive income climbed 13.4% in Q2 2026, from -$38.8M to -$33.6M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Community Financial Services Bank is 47th of 69 on CET1 ratio, 13.52% as of Q2 2026, below the middle of the field. At 13.52%, Community Financial Services Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.52% |
| Tier 1 risk-based capital ratio | 13.52% |
| Total risk-based capital ratio | 14.77% |
| Tier 1 leverage ratio | 10.33% |
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 | $146.9M |
| Tier 1 capital | $146.9M |
| Total risk-based capital | $160.5M |
| Total equity capital | $113.4M |
| Risk-weighted assets | $1.09B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.27% |
| Tangible equity to tangible assets | 8.26% |
| Equity capital to average assets | 7.98% |
| Internal capital growth rate | 3.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.9M |
| Common stock surplus | $70.0M |
| Retained earnings | $75.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33.6M |
| 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 | 12.44% | 12.44% | 13.70% | 9.58% | $1.10B |
| Q4 2023 | 12.75% | 12.75% | 14.01% | 9.63% | $1.09B |
| Q1 2024 | 12.40% | 12.40% | 13.66% | 9.52% | $1.11B |
| Q2 2024 | 12.74% | 12.74% | 14.00% | 9.65% | $1.10B |
| Q3 2024 | 12.94% | 12.94% | 14.19% | 9.82% | $1.10B |
| Q4 2024 | 13.17% | 13.17% | 14.42% | 9.65% | $1.10B |
| Q1 2025 | 13.00% | 13.00% | 14.26% | 9.76% | $1.11B |
| Q2 2025 | 12.92% | 12.92% | 14.17% | 9.87% | $1.11B |
| Q3 2025 | 13.67% | 13.67% | 14.92% | 10.17% | $1.09B |
| Q4 2025 | 13.77% | 13.77% | 15.02% | 10.08% | $1.07B |
| Q1 2026 | 13.47% | 13.47% | 14.72% | 10.21% | $1.08B |
| Q2 2026 | 13.52% | 13.52% | 14.77% | 10.33% | $1.09B |
Community Financial Services Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Financial Services 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 Community Financial Services Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 287) · FFIEC NIC profile (RSSD 698144)