First National Bank of Kentucky: 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%.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.0% between Q1 2026 and Q2 2026, to $23.2M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.16% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $23.6M |
| Tier 1 capital | $23.6M |
| Total risk-based capital | — |
| Total equity capital | $23.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.06% |
| Tangible equity to tangible assets | 9.06% |
| Equity capital to average assets | 9.07% |
| Internal capital growth rate | 8.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $200K |
| Retained earnings | $23.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$220K |
| 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 | 12.24% | 12.24% | 13.50% | 8.88% | $147.5M |
| Q4 2023 | 12.88% | 12.88% | 14.13% | 8.96% | $146.2M |
| Q1 2024 | 12.90% | 12.90% | 14.15% | 8.91% | $147.2M |
| Q2 2024 | 12.50% | 12.50% | 13.75% | 8.75% | $152.1M |
| Q3 2024 | 13.15% | 13.15% | 14.41% | 9.21% | $152.1M |
| Q4 2024 | 12.82% | 12.82% | 14.07% | 8.97% | $155.0M |
| Q1 2025 | 13.36% | 13.36% | 14.62% | 9.09% | $155.4M |
| Q2 2025 | 12.13% | 12.13% | 13.39% | 8.73% | $165.6M |
| Q3 2025 | 12.17% | 12.17% | 13.42% | 9.12% | $176.3M |
| Q4 2025 | 11.89% | 11.89% | 13.15% | 9.22% | $186.2M |
| Q1 2026 | 12.62% | 12.62% | 13.88% | 9.35% | $183.3M |
| Q2 2026 | — | — | — | 9.16% | — |
First National Bank of Kentucky regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Kentucky, 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 National Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2735) · FFIEC NIC profile (RSSD 907444)