Community Trust Bank, Inc.: 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 13.43% +4.43 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 | $913.6M | 913,602 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $6.80B | 6,804,487 | RCOAA224 |
| Recomputed ratio | 13.43% | numerator / denominator | |
| Filed ratio | 13.43% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.43 pp | $301.2M | 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 | 162,898 | 162,898 | 162,898 | 162,898 | 162,898 | 162,898 | RCOAP742 |
| Retained earnings | 811,221 | 789,852 | 773,772 | 755,210 | 740,594 | 722,994 | RCOAKW00 |
| Accumulated other comprehensive income | (66,741) | (66,391) | (63,221) | (69,418) | (78,697) | (84,033) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 907,378 | 886,359 | 873,449 | 848,690 | 824,795 | 801,859 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,224 | 5,874 | 2,704 | 8,901 | 18,180 | 23,516 | P859 - P840 |
| Common equity Tier 1 capital | 913,602 | 892,233 | 876,153 | 857,591 | 842,975 | 825,375 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 913,602 | 892,233 | 876,153 | 857,591 | 842,975 | 825,375 | 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 | 6,804,487 | 6,648,546 | 6,643,747 | 6,490,098 | 6,325,017 | 6,197,831 | 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 | 13.43% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 13.42% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 13.19% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 13.21% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 13.33% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 13.32% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 13.29% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 13.51% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 13.42% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 13.26% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 13.22% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 13.32% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Community Trust Bank, Inc. (this bank) | CBLR | NA | NA | NA | 13.43% | |
| Camden National Bank | $6.94B | Risk-based | 12.73% | 12.73% | 13.69% | 9.12% |
| Cambridge Savings Bank | $6.98B | Risk-based | 12.63% | 12.63% | 13.71% | 10.25% |
| Old Second National Bank | $6.86B | Risk-based | 13.72% | 13.72% | 14.77% | 12.05% |
| Mid Penn Bank | $7.04B | Risk-based | 12.55% | 12.55% | 13.30% | 10.43% |
| Republic Bank & Trust Company | $7.05B | Risk-based | 16.55% | 16.55% | 17.80% | 14.82% |
| Johnson Bank | $7.07B | Risk-based | 15.62% | 15.62% | 16.87% | 12.33% |
| First National Bank of America | $6.82B | Risk-based | 15.28% | 15.28% | 16.54% | 8.13% |
| Hinsdale Bank & Trust Company, N.A. | $6.80B | Risk-based | 10.60% | 10.60% | 11.34% | 9.20% |
| INTRUST Bank, N.A. | $6.76B | Risk-based | 13.66% | 13.66% | 14.62% | 10.76% |
| City National Bank of West Virginia | $6.76B | Risk-based | 15.01% | 15.01% | 15.48% | 9.65% |
| Peer 25th percentile | 12.66% | 12.66% | 13.69% | 9.31% | ||
| Peer median | 13.69% | 13.69% | 14.69% | 10.34% | ||
| Peer 75th percentile | 15.21% | 15.21% | 16.27% | 11.72% | ||
| This bank's percentile | NA | NA | NA | 90 |
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/509811/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.