First Kentucky 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.28 percentage points in Q2 2026 to 7.72%, the biggest move on this page. First Kentucky Bank, Inc. ranks 45th of 69 Kentucky banks on CET1 ratio, in the lower half at 13.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Kentucky Bank, Inc. sits 1.29 points lower, at 13.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.78% |
| Tier 1 risk-based capital ratio | 13.78% |
| Total risk-based capital ratio | 15.01% |
| Tier 1 leverage ratio | 9.35% |
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 | $56.3M |
| Tier 1 capital | $56.3M |
| Total risk-based capital | $61.3M |
| Total equity capital | $45.2M |
| Risk-weighted assets | $408.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.72% |
| Tangible equity to tangible assets | 7.61% |
| Equity capital to average assets | 7.50% |
| Internal capital growth rate | 6.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $90K |
| Common stock surplus | $26.3M |
| Retained earnings | $30.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.8M |
| 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 | 13.02% | 13.02% | 14.24% | 8.82% | $389.0M |
| Q4 2023 | 12.67% | 12.67% | 13.85% | 8.72% | $399.2M |
| Q1 2024 | 12.72% | 12.72% | 13.89% | 8.71% | $401.2M |
| Q2 2024 | 12.83% | 12.83% | 14.00% | 8.67% | $401.0M |
| Q3 2024 | 13.02% | 13.02% | 14.20% | 8.84% | $399.3M |
| Q4 2024 | 13.31% | 13.31% | 14.50% | 8.91% | $395.2M |
| Q1 2025 | 13.18% | 13.18% | 14.37% | 8.89% | $404.1M |
| Q2 2025 | 13.09% | 13.09% | 14.26% | 9.00% | $409.7M |
| Q3 2025 | 12.88% | 12.88% | 14.06% | 9.05% | $420.9M |
| Q4 2025 | 13.34% | 13.34% | 14.54% | 9.07% | $410.0M |
| Q1 2026 | 13.57% | 13.57% | 14.77% | 9.24% | $409.6M |
| Q2 2026 | 13.78% | 13.78% | 15.01% | 9.35% | $408.6M |
First Kentucky Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Kentucky 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 First Kentucky Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21247) · FFIEC NIC profile (RSSD 263243)