Kingston National 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, Accumulated other comprehensive income rose 6.9% in Q2 2026 to -$9.3M, the biggest move on this page. Kingston National Bank ranks 50th of 84 Ohio banks on CET1 ratio, in the lower half at 13.37% (Q2 2026). Kingston National Bank reported 13.37% on CET1 ratio for Q2 2026, 1.70 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 | 13.37% |
| Tier 1 risk-based capital ratio | 13.37% |
| Total risk-based capital ratio | 14.44% |
| Tier 1 leverage ratio | 9.21% |
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 | $54.3M |
| Tier 1 capital | $54.3M |
| Total risk-based capital | $58.7M |
| Total equity capital | $45.0M |
| Risk-weighted assets | $406.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.68% |
| Tangible equity to tangible assets | 7.68% |
| Equity capital to average assets | 7.64% |
| Internal capital growth rate | 7.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $540K |
| Common stock surplus | $8.0M |
| Retained earnings | $45.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.3M |
| 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 | 12.84% | 12.84% | 13.85% | 9.19% | $381.1M |
| Q4 2023 | 12.77% | 12.77% | 13.76% | 9.20% | $386.9M |
| Q1 2024 | 13.01% | 13.01% | 14.01% | 9.12% | $382.2M |
| Q2 2024 | 12.72% | 12.72% | 13.70% | 8.90% | $391.0M |
| Q3 2024 | 12.57% | 12.57% | 13.55% | 8.88% | $396.0M |
| Q4 2024 | 12.19% | 12.19% | 13.15% | 8.70% | $408.4M |
| Q1 2025 | 12.68% | 12.68% | 13.68% | 8.78% | $394.5M |
| Q2 2025 | 12.52% | 12.52% | 13.50% | 8.94% | $408.1M |
| Q3 2025 | 12.51% | 12.51% | 13.48% | 9.04% | $415.0M |
| Q4 2025 | 12.57% | 12.57% | 13.56% | 9.07% | $419.0M |
| Q1 2026 | 13.01% | 13.01% | 14.05% | 9.22% | $411.4M |
| Q2 2026 | 13.37% | 13.37% | 14.44% | 9.21% | $406.3M |
Kingston National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kingston National 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 Kingston National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6616) · FFIEC NIC profile (RSSD 966722)