Katahdin 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%.
Risk-weighted assets rose 6.4% from Q1 2026 to Q2 2026, ending at $896.6M against $843.0M. It was the largest change among the key lines on this page. On CET1 ratio, Katahdin Trust Company is 3rd from the bottom among 16 Maine banks, 12.71% (Q2 2026). Katahdin Trust Company reported 12.71% on CET1 ratio for Q2 2026, 0.77 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.71% |
| Tier 1 risk-based capital ratio | 12.71% |
| Total risk-based capital ratio | 13.79% |
| Tier 1 leverage ratio | 10.00% |
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 | $114.0M |
| Tier 1 capital | $114.0M |
| Total risk-based capital | $123.6M |
| Total equity capital | $110.2M |
| Risk-weighted assets | $896.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.52% |
| Tangible equity to tangible assets | 9.07% |
| Equity capital to average assets | 9.63% |
| Internal capital growth rate | 4.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $31.7M |
| Retained earnings | $86.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| 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 | 14.48% | 14.48% | 15.51% | 10.73% | $760.1M |
| Q4 2023 | 14.81% | 14.81% | 15.89% | 10.80% | $755.3M |
| Q1 2024 | 15.02% | 15.02% | 16.09% | 10.95% | $752.4M |
| Q2 2024 | 14.86% | 14.86% | 15.93% | 10.96% | $769.1M |
| Q3 2024 | 15.21% | 15.21% | 16.27% | 11.02% | $764.1M |
| Q4 2024 | 12.91% | 12.91% | 14.01% | 9.58% | $796.4M |
| Q1 2025 | 14.37% | 14.37% | 15.56% | 9.61% | $727.5M |
| Q2 2025 | 13.25% | 13.25% | 14.31% | 9.75% | $802.9M |
| Q3 2025 | 13.37% | 13.37% | 14.46% | 9.94% | $810.8M |
| Q4 2025 | 13.47% | 13.47% | 14.53% | 9.85% | $823.5M |
| Q1 2026 | 13.37% | 13.37% | 14.41% | 10.15% | $843.0M |
| Q2 2026 | 12.71% | 12.71% | 13.79% | 10.00% | $896.6M |
Katahdin Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Katahdin 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 Katahdin Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12874) · FFIEC NIC profile (RSSD 327305)