First United Bank and Trust Company, 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, Total risk-based capital ratio rose 0.64 percentage points in Q2 2026 to 15.37%, the biggest move on this page. First United Bank and Trust Company, Inc. ranks 42nd of 69 Kentucky banks on CET1 ratio, in the lower half at 14.22% (Q2 2026). First United Bank and Trust Company, Inc. reported 14.22% on CET1 ratio for Q2 2026, 0.85 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 | 14.22% |
| Tier 1 risk-based capital ratio | 14.22% |
| Total risk-based capital ratio | 15.37% |
| Tier 1 leverage ratio | 9.53% |
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 | $57.7M |
| Tier 1 capital | $57.7M |
| Total risk-based capital | $62.3M |
| Total equity capital | $36.1M |
| Risk-weighted assets | $405.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.11% |
| Tangible equity to tangible assets | 6.11% |
| Equity capital to average assets | 5.97% |
| Internal capital growth rate | 13.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $19.6M |
| Retained earnings | $37.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.6M |
| 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 | — | — | — | 9.07% | — |
| Q4 2023 | — | — | — | 9.07% | — |
| Q1 2024 | — | — | — | 9.13% | — |
| Q2 2024 | — | — | — | 9.14% | — |
| Q3 2024 | — | — | — | 8.75% | — |
| Q4 2024 | — | — | — | 8.47% | — |
| Q1 2025 | 12.91% | 12.91% | 14.00% | 8.61% | $401.8M |
| Q2 2025 | 12.84% | 12.84% | 13.92% | 8.68% | $409.0M |
| Q3 2025 | 13.07% | 13.07% | 14.16% | 8.94% | $411.4M |
| Q4 2025 | 13.23% | 13.23% | 14.32% | 9.00% | $412.6M |
| Q1 2026 | 13.62% | 13.62% | 14.72% | 9.19% | $415.1M |
| Q2 2026 | 14.22% | 14.22% | 15.37% | 9.53% | $405.7M |
First United Bank and Trust Company, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank and Trust Company, 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 United Bank and Trust Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34150) · FFIEC NIC profile (RSSD 2356091)