Kinmundy 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%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.2% to $46.8M. Within Illinois, Kinmundy Bank is 39th of 198 on CET1 ratio, 21.50% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Kinmundy Bank sits 1.94 points higher, at 21.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.50% |
| Tier 1 risk-based capital ratio | 21.50% |
| Total risk-based capital ratio | 22.36% |
| Tier 1 leverage ratio | 13.04% |
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 | $10.1M |
| Tier 1 capital | $10.1M |
| Total risk-based capital | $10.5M |
| Total equity capital | $10.9M |
| Risk-weighted assets | $46.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.64% |
| Tangible equity to tangible assets | 12.02% |
| Equity capital to average assets | 13.90% |
| Internal capital growth rate | 11.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $4.2M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$606K |
| 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 | 18.65% | 18.65% | 19.59% | 12.01% | $41.9M |
| Q4 2023 | 18.18% | 18.18% | 19.12% | 11.86% | $42.1M |
| Q1 2024 | 18.48% | 18.48% | 19.41% | 12.30% | $43.0M |
| Q2 2024 | 19.00% | 19.00% | 19.93% | 12.71% | $43.0M |
| Q3 2024 | 19.63% | 19.63% | 20.55% | 12.84% | $42.8M |
| Q4 2024 | 19.36% | 19.36% | 20.28% | 12.55% | $42.6M |
| Q1 2025 | 20.41% | 20.41% | 21.32% | 12.77% | $42.5M |
| Q2 2025 | 20.42% | 20.42% | 21.34% | 13.00% | $43.9M |
| Q3 2025 | 20.84% | 20.84% | 21.70% | 13.24% | $44.9M |
| Q4 2025 | 21.13% | 21.13% | 22.03% | 12.83% | $44.2M |
| Q1 2026 | 21.91% | 21.91% | 22.81% | 12.93% | $44.4M |
| Q2 2026 | 21.50% | 21.50% | 22.36% | 13.04% | $46.8M |
Kinmundy Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kinmundy 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 Kinmundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3805) · FFIEC NIC profile (RSSD 489249)