Elkton Bank & Trust Company: 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 fell 0.64 percentage points from Q1 2026 to Q2 2026, ending at 29.72% against 30.36%. It was the largest change among the key lines on this page. On CET1 ratio, Elkton Bank & Trust Company ranks 6th highest among the 69 banks headquartered in Kentucky, at 28.77% (Q2 2026). Elkton Bank & Trust Company's CET1 ratio of 28.77% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 13.70 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.77% |
| Tier 1 risk-based capital ratio | 28.77% |
| Total risk-based capital ratio | 29.72% |
| Tier 1 leverage ratio | 12.58% |
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 | $25.1M |
| Tier 1 capital | $25.1M |
| Total risk-based capital | $25.9M |
| Total equity capital | $23.6M |
| Risk-weighted assets | $87.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.85% |
| Tangible equity to tangible assets | 11.85% |
| Equity capital to average assets | 11.82% |
| Internal capital growth rate | -0.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $3.2M |
| Retained earnings | $21.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 24.24% | 24.24% | 25.01% | 12.63% | $91.5M |
| Q4 2023 | 23.74% | 23.74% | 24.49% | 12.34% | $94.1M |
| Q1 2024 | 24.86% | 24.86% | 25.65% | 12.23% | $91.1M |
| Q2 2024 | 23.51% | 23.51% | 24.27% | 12.23% | $96.7M |
| Q3 2024 | 24.51% | 24.51% | 25.34% | 12.47% | $95.2M |
| Q4 2024 | 25.71% | 25.71% | 26.56% | 12.71% | $91.9M |
| Q1 2025 | 26.81% | 26.81% | 27.69% | 12.92% | $90.4M |
| Q2 2025 | 26.77% | 26.77% | 27.65% | 13.05% | $91.4M |
| Q3 2025 | 26.79% | 26.79% | 27.69% | 12.87% | $93.1M |
| Q4 2025 | 26.42% | 26.42% | 27.34% | 12.68% | $93.5M |
| Q1 2026 | 29.37% | 29.37% | 30.36% | 12.83% | $85.6M |
| Q2 2026 | 28.77% | 28.77% | 29.72% | 12.58% | $87.2M |
Elkton Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Elkton Bank & Trust Company, 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 Elkton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12162) · FFIEC NIC profile (RSSD 998648)