Cumberland Security Bank, Inc.: 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%.
Equity capital to average assets climbed 0.80 percentage points in Q2 2026, from 13.29% to 14.10%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Cumberland Security Bank, Inc. is 19th of 69 on CET1 ratio, 17.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Cumberland Security Bank, Inc. sits 2.58 points higher, at 17.65% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.65% |
| Tier 1 risk-based capital ratio | 17.65% |
| Total risk-based capital ratio | 18.92% |
| Tier 1 leverage ratio | 14.14% |
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 | $59.5M |
| Tier 1 capital | $59.5M |
| Total risk-based capital | $63.8M |
| Total equity capital | $59.3M |
| Risk-weighted assets | $337.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.12% |
| Tangible equity to tangible assets | 14.11% |
| Equity capital to average assets | 14.10% |
| Internal capital growth rate | 14.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $9.1M |
| Retained earnings | $50.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$225K |
| 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 | 16.99% | 16.99% | 18.26% | 13.44% | $258.6M |
| Q4 2023 | — | — | — | 13.40% | — |
| Q1 2024 | 16.57% | 16.57% | 17.84% | 13.80% | $276.9M |
| Q2 2024 | 16.48% | 16.48% | 17.75% | 13.60% | $282.7M |
| Q3 2024 | 17.14% | 17.14% | 18.41% | 13.84% | $283.3M |
| Q4 2024 | 16.46% | 16.46% | 17.73% | 13.43% | $294.5M |
| Q1 2025 | 16.51% | 16.51% | 17.77% | 13.78% | $308.6M |
| Q2 2025 | 17.10% | 17.10% | 18.37% | 14.01% | $322.4M |
| Q3 2025 | 18.07% | 18.07% | 19.34% | 14.80% | $328.5M |
| Q4 2025 | 15.92% | 15.92% | 17.19% | 13.67% | $343.4M |
| Q1 2026 | 16.72% | 16.72% | 17.99% | 13.32% | $343.7M |
| Q2 2026 | 17.65% | 17.65% | 18.92% | 14.14% | $337.1M |
Cumberland Security Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Security Bank, Inc., 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 Cumberland Security Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11358) · FFIEC NIC profile (RSSD 202514)