Kentucky Farmers Bank Corporation: 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: 90.6% higher than in Q1 2026, at -$190K. Within Kentucky, Kentucky Farmers Bank Corporation is 7th of 69 on CET1 ratio, 27.32% as of Q2 2026, above the middle of the field. Kentucky Farmers Bank Corporation's CET1 ratio of 27.32% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 12.25 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.32% |
| Tier 1 risk-based capital ratio | 27.32% |
| Total risk-based capital ratio | 28.21% |
| Tier 1 leverage ratio | 15.70% |
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 | $51.3M |
| Tier 1 capital | $51.3M |
| Total risk-based capital | $53.0M |
| Total equity capital | $51.1M |
| Risk-weighted assets | $187.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.57% |
| Tangible equity to tangible assets | 15.57% |
| Equity capital to average assets | 15.64% |
| Internal capital growth rate | 10.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $14.0M |
| Retained earnings | $35.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$190K |
| 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 | 24.32% | 24.32% | 25.15% | 17.19% | $201.5M |
| Q4 2023 | 25.53% | 25.53% | 26.40% | 17.76% | $194.6M |
| Q1 2024 | 26.32% | 26.32% | 27.18% | 18.08% | $191.9M |
| Q2 2024 | 27.28% | 27.28% | 28.16% | 18.22% | $188.2M |
| Q3 2024 | 28.20% | 28.20% | 29.06% | 18.45% | $185.7M |
| Q4 2024 | 26.45% | 26.45% | 27.34% | 15.98% | $179.1M |
| Q1 2025 | 26.41% | 26.41% | 27.25% | 15.53% | $182.9M |
| Q2 2025 | 26.68% | 26.68% | 27.58% | 15.64% | $185.2M |
| Q3 2025 | 26.84% | 26.84% | 27.72% | 15.77% | $188.3M |
| Q4 2025 | 27.61% | 27.61% | 28.54% | 15.98% | $188.3M |
| Q1 2026 | 26.76% | 26.76% | 27.64% | 15.27% | $187.0M |
| Q2 2026 | 27.32% | 27.32% | 28.21% | 15.70% | $187.9M |
Kentucky Farmers Bank Corporation regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kentucky Farmers Bank Corporation, 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 Kentucky Farmers Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 267) · FFIEC NIC profile (RSSD 683814)