Hyden Citizens 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%.
Retained earnings rose 6.7% from Q1 2026 to Q2 2026, ending at $7.3M against $6.8M. It was the largest change among the key lines on this page. Within Kentucky, Hyden Citizens Bank, Inc is 46th of 69 on CET1 ratio, 13.58% as of Q2 2026, below the middle of the field. Hyden Citizens Bank, Inc reported 13.58% on CET1 ratio for Q2 2026, 1.49 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 | 13.58% |
| Tier 1 risk-based capital ratio | 13.58% |
| Total risk-based capital ratio | 14.35% |
| Tier 1 leverage ratio | 9.18% |
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 | $14.0M |
| Tier 1 capital | $14.0M |
| Total risk-based capital | $14.8M |
| Total equity capital | $9.9M |
| Risk-weighted assets | $103.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.67% |
| Tangible equity to tangible assets | 6.67% |
| Equity capital to average assets | 6.50% |
| Internal capital growth rate | 19.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $236K |
| Common stock surplus | $6.5M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | 11.74% | 11.74% | 12.52% | 8.74% | $112.3M |
| Q4 2023 | 11.73% | 11.73% | 12.49% | 8.85% | $113.1M |
| Q1 2024 | 11.86% | 11.86% | 12.58% | 8.85% | $111.0M |
| Q2 2024 | 11.72% | 11.72% | 12.46% | 8.62% | $111.0M |
| Q3 2024 | 11.48% | 11.48% | 12.19% | 8.62% | $113.3M |
| Q4 2024 | 11.98% | 11.98% | 12.70% | 8.75% | $111.1M |
| Q1 2025 | 11.74% | 11.74% | 12.46% | 8.76% | $112.3M |
| Q2 2025 | 12.41% | 12.41% | 13.17% | 8.84% | $107.1M |
| Q3 2025 | 12.60% | 12.60% | 13.35% | 8.91% | $105.2M |
| Q4 2025 | 12.55% | 12.55% | 13.29% | 9.08% | $108.5M |
| Q1 2026 | 12.62% | 12.62% | 13.36% | 9.07% | $107.3M |
| Q2 2026 | 13.58% | 13.58% | 14.35% | 9.18% | $103.0M |
Hyden Citizens Bank, Inc regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hyden Citizens 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 Hyden Citizens Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 281) · FFIEC NIC profile (RSSD 211114)