FNB 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, Accumulated other comprehensive income fell 3.5% in Q2 2026 to -$7.5M, the biggest move on this page. FNB Bank, Inc. ranks 56th of 69 Kentucky banks on CET1 ratio, in the lower half at 12.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. FNB Bank, Inc. sits 2.90 points lower, at 12.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.17% |
| Tier 1 risk-based capital ratio | 12.17% |
| Total risk-based capital ratio | 13.43% |
| Tier 1 leverage ratio | 8.48% |
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 | $65.8M |
| Tier 1 capital | $65.8M |
| Total risk-based capital | $72.6M |
| Total equity capital | $59.8M |
| Risk-weighted assets | $540.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.77% |
| Tangible equity to tangible assets | 7.59% |
| Equity capital to average assets | 7.69% |
| Internal capital growth rate | 4.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20K |
| Common stock surplus | $40.8M |
| Retained earnings | $26.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.5M |
| 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 | 11.01% | 11.01% | 12.26% | 8.39% | $499.9M |
| Q4 2023 | 10.41% | 10.41% | 11.67% | 8.22% | $517.4M |
| Q1 2024 | 10.52% | 10.52% | 11.78% | 8.24% | $523.3M |
| Q2 2024 | 10.62% | 10.62% | 11.88% | 8.23% | $518.0M |
| Q3 2024 | 11.01% | 11.01% | 12.27% | 8.22% | $506.7M |
| Q4 2024 | 11.12% | 11.12% | 12.38% | 8.31% | $515.5M |
| Q1 2025 | 11.69% | 11.69% | 12.95% | 8.54% | $508.4M |
| Q2 2025 | 11.86% | 11.86% | 13.12% | 8.53% | $518.5M |
| Q3 2025 | 11.91% | 11.91% | 13.17% | 8.67% | $532.6M |
| Q4 2025 | 11.89% | 11.89% | 13.15% | 8.60% | $539.1M |
| Q1 2026 | 12.26% | 12.26% | 13.52% | 8.61% | $529.8M |
| Q2 2026 | 12.17% | 12.17% | 13.43% | 8.48% | $540.8M |
FNB Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB 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 FNB Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2759) · FFIEC NIC profile (RSSD 400141)