Hart County Bank and Trust Company: 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 standout move of Q2 2026 was in Equity capital to average assets: 2.34 percentage points higher than in Q1 2026, at 34.31%. Among 69 Kentucky banks, Hart County Bank and Trust Company sits 4th from the top on CET1 ratio, 39.24% as of Q2 2026. Against a median of 19.57% for banks in the < $100M asset tier, Hart County Bank and Trust Company reported 39.24% on CET1 ratio in Q2 2026, 19.67 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 39.24% |
| Tier 1 risk-based capital ratio | 39.24% |
| Total risk-based capital ratio | 40.54% |
| Tier 1 leverage ratio | 34.31% |
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 | $8.0M |
| Tier 1 capital | $8.0M |
| Total risk-based capital | $8.2M |
| Total equity capital | $8.0M |
| Risk-weighted assets | $20.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 32.97% |
| Tangible equity to tangible assets | 32.97% |
| Equity capital to average assets | 34.31% |
| Internal capital growth rate | 8.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $3.1M |
| Retained earnings | $4.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 33.99% | 33.99% | 35.28% | 27.09% | $22.0M |
| Q4 2023 | 36.29% | 36.29% | 37.59% | 27.96% | $20.8M |
| Q1 2024 | 37.85% | 37.85% | 39.14% | 29.48% | $20.2M |
| Q2 2024 | 38.42% | 38.42% | 39.72% | 29.40% | $19.6M |
| Q3 2024 | 40.04% | 40.04% | 41.34% | 30.62% | $19.0M |
| Q4 2024 | 41.20% | 41.20% | 42.50% | 30.75% | $18.6M |
| Q1 2025 | 38.65% | 38.65% | 39.95% | 29.13% | $19.2M |
| Q2 2025 | 40.92% | 40.92% | 42.22% | 30.53% | $18.5M |
| Q3 2025 | 38.21% | 38.21% | 39.51% | 29.68% | $19.1M |
| Q4 2025 | 37.29% | 37.29% | 38.59% | 31.75% | $19.9M |
| Q1 2026 | 38.60% | 38.60% | 39.90% | 31.97% | $19.6M |
| Q2 2026 | 39.24% | 39.24% | 40.54% | 34.31% | $20.3M |
Hart County Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hart County Bank and Trust Company, 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 Hart County Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10145) · FFIEC NIC profile (RSSD 456344)