Key Community Bank: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.65 percentage points in Q2 2026 to 10.72%, the biggest move on this page.
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 | 10.66% |
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 | $13.0M |
| Tier 1 capital | $13.0M |
| Total risk-based capital | — |
| Total equity capital | $13.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.72% |
| Tangible equity to tangible assets | 10.72% |
| Equity capital to average assets | 10.66% |
| Internal capital growth rate | 16.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $12.9M |
| Retained earnings | -$69K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $1K |
| 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 | 10.83% | 10.83% | 11.99% | 8.54% | $78.7M |
| Q4 2023 | 11.07% | 11.07% | 12.27% | 8.67% | $79.0M |
| Q1 2024 | 10.07% | 10.07% | 11.26% | 8.20% | $84.9M |
| Q2 2024 | 10.15% | 10.15% | 11.34% | 8.54% | $86.8M |
| Q3 2024 | 10.46% | 10.46% | 11.68% | 8.94% | $87.4M |
| Q4 2024 | 10.74% | 10.74% | 11.97% | 8.98% | $89.2M |
| Q1 2025 | 9.93% | 9.93% | 11.18% | 8.79% | $93.6M |
| Q2 2025 | 10.25% | 10.25% | 11.50% | 8.85% | $94.4M |
| Q3 2025 | 10.77% | 10.77% | 12.02% | 9.13% | $93.3M |
| Q4 2025 | 10.89% | 10.89% | 12.14% | 9.42% | $96.6M |
| Q1 2026 | — | — | — | 10.65% | — |
| Q2 2026 | — | — | — | 10.66% | — |
Key Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Key Community Bank, 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 Key Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34644) · FFIEC NIC profile (RSSD 2610784)