Independence Bank of Kentucky: 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 Accumulated other comprehensive income: 12.7% higher than in Q1 2026, at -$31.9M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.35% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $350.7M |
| Tier 1 capital | $350.7M |
| Total risk-based capital | — |
| Total equity capital | $318.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
| Equity capital to average assets | 8.50% |
| Internal capital growth rate | 6.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $189.1M |
| Retained earnings | $160.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31.9M |
| 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 | 11.26% | 11.26% | 12.03% | 7.58% | $2.49B |
| Q4 2023 | 10.95% | 10.95% | 11.71% | 7.40% | $2.54B |
| Q1 2024 | 11.16% | 11.16% | 11.91% | 7.41% | $2.50B |
| Q2 2024 | 11.41% | 11.41% | 12.15% | 7.68% | $2.51B |
| Q3 2024 | 12.65% | 12.65% | 13.38% | 8.54% | $2.55B |
| Q4 2024 | 12.49% | 12.49% | 13.24% | 8.60% | $2.61B |
| Q1 2025 | 12.49% | 12.49% | 13.23% | 8.60% | $2.63B |
| Q2 2025 | 12.66% | 12.66% | 13.43% | 8.55% | $2.63B |
| Q3 2025 | 12.62% | 12.62% | 13.42% | 8.85% | $2.67B |
| Q4 2025 | 13.03% | 13.03% | 13.87% | 8.92% | $2.62B |
| Q1 2026 | — | — | — | 9.21% | — |
| Q2 2026 | — | — | — | 9.35% | — |
Independence Bank of Kentucky regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence Bank of Kentucky, 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 Independence Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8136) · FFIEC NIC profile (RSSD 648242)