The First National Bank of Manchester: 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 0.38 percentage points in Q2 2026 to 9.83%, the biggest move on this page. The First National Bank of Manchester ranks 39th of 69 Kentucky banks on CET1 ratio, in the lower half at 14.52% (Q2 2026). The First National Bank of Manchester reported 14.52% on CET1 ratio for Q2 2026, 0.55 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.52% |
| Tier 1 risk-based capital ratio | 14.52% |
| Total risk-based capital ratio | 15.77% |
| Tier 1 leverage ratio | 9.86% |
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 | $23.1M |
| Tier 1 capital | $23.1M |
| Total risk-based capital | $25.1M |
| Total equity capital | $22.6M |
| Risk-weighted assets | $159.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.83% |
| Tangible equity to tangible assets | 9.83% |
| Equity capital to average assets | 9.67% |
| Internal capital growth rate | 10.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $750K |
| Retained earnings | $22.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$464K |
| 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 | — | — | — | 9.23% | — |
| Q4 2023 | — | — | — | 8.55% | — |
| Q1 2024 | 13.29% | 13.29% | 14.54% | 8.46% | $147.7M |
| Q2 2024 | 13.46% | 13.46% | 14.72% | 8.96% | $150.1M |
| Q3 2024 | 13.32% | 13.32% | 14.57% | 8.98% | $154.3M |
| Q4 2024 | 13.19% | 13.19% | 14.44% | 8.38% | $156.5M |
| Q1 2025 | 14.10% | 14.10% | 15.35% | 8.49% | $150.7M |
| Q2 2025 | 13.92% | 13.92% | 15.17% | 9.11% | $155.4M |
| Q3 2025 | 13.90% | 13.90% | 15.16% | 9.50% | $158.0M |
| Q4 2025 | 13.99% | 13.99% | 15.24% | 9.40% | $156.9M |
| Q1 2026 | 14.42% | 14.42% | 15.68% | 9.69% | $156.1M |
| Q2 2026 | 14.52% | 14.52% | 15.77% | 9.86% | $159.0M |
The First National Bank of Manchester regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Manchester, 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 The First National Bank of Manchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2708) · FFIEC NIC profile (RSSD 719610)