Farmers & Traders Bank of Campton: 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%.
Risk-weighted assets fell 5.3% from Q1 2026 to Q2 2026, ending at $50.4M against $53.3M. It was the largest change among the key lines on this page. Within Kentucky, Farmers & Traders Bank of Campton is 53rd of 69 on CET1 ratio, 12.76% as of Q2 2026, below the middle of the field. Farmers & Traders Bank of Campton reported 12.76% on CET1 ratio for Q2 2026, 6.74 points below the 19.50% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.76% |
| Tier 1 risk-based capital ratio | 12.76% |
| Total risk-based capital ratio | 13.65% |
| Tier 1 leverage ratio | 9.24% |
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 | $6.4M |
| Tier 1 capital | $6.4M |
| Total risk-based capital | $6.9M |
| Total equity capital | $4.6M |
| Risk-weighted assets | $50.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.89% |
| Tangible equity to tangible assets | 6.09% |
| Equity capital to average assets | 6.59% |
| Internal capital growth rate | 3.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $3.3M |
| Retained earnings | $3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| 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 | 11.03% | 11.03% | 11.64% | 8.66% | $53.9M |
| Q4 2023 | 11.27% | 11.27% | 11.90% | 8.80% | $54.1M |
| Q1 2024 | 11.26% | 11.26% | 11.82% | 8.62% | $53.8M |
| Q2 2024 | 11.46% | 11.46% | 12.16% | 8.41% | $52.9M |
| Q3 2024 | 11.60% | 11.60% | 12.33% | 8.92% | $52.4M |
| Q4 2024 | 11.83% | 11.83% | 12.61% | 9.10% | $52.9M |
| Q1 2025 | 11.84% | 11.84% | 12.64% | 9.13% | $52.0M |
| Q2 2025 | 12.22% | 12.22% | 13.05% | 9.14% | $50.8M |
| Q3 2025 | 12.15% | 12.15% | 12.97% | 9.14% | $51.1M |
| Q4 2025 | 12.47% | 12.47% | 13.31% | 9.28% | $51.4M |
| Q1 2026 | 12.02% | 12.02% | 12.85% | 9.16% | $53.3M |
| Q2 2026 | 12.76% | 12.76% | 13.65% | 9.24% | $50.4M |
Farmers & Traders Bank of Campton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Traders Bank of Campton, 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 Farmers & Traders Bank of Campton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 288) · FFIEC NIC profile (RSSD 839817)