Kish 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 4.0% from Q1 2026 to Q2 2026, ending at $1.80B against $1.73B. It was the largest change among the key lines on this page. On CET1 ratio, Kish Bank is 1st from the bottom among 72 Pennsylvania banks, 10.08% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Kish Bank sits 3.41 points lower, at 10.08% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.08% |
| Tier 1 risk-based capital ratio | 10.08% |
| Total risk-based capital ratio | 10.87% |
| Tier 1 leverage ratio | 8.92% |
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 | $181.0M |
| Tier 1 capital | $181.0M |
| Total risk-based capital | $195.3M |
| Total equity capital | $175.1M |
| Risk-weighted assets | $1.80B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.40% |
| Tangible equity to tangible assets | 8.22% |
| Equity capital to average assets | 8.61% |
| Internal capital growth rate | 11.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $408K |
| Common stock surplus | $33.3M |
| Retained earnings | $150.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.4M |
| 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 | 9.95% | 9.95% | 10.63% | 8.88% | $1.29B |
| Q4 2023 | 9.92% | 9.92% | 10.61% | 8.91% | $1.36B |
| Q1 2024 | 10.00% | 10.00% | 10.68% | 8.96% | $1.39B |
| Q2 2024 | 9.90% | 9.90% | 10.59% | 9.00% | $1.45B |
| Q3 2024 | 9.95% | 9.95% | 10.66% | 9.00% | $1.49B |
| Q4 2024 | 9.94% | 9.94% | 10.64% | 9.02% | $1.53B |
| Q1 2025 | 9.84% | 9.84% | 10.53% | 9.06% | $1.59B |
| Q2 2025 | 9.84% | 9.84% | 10.55% | 8.91% | $1.63B |
| Q3 2025 | 9.79% | 9.79% | 10.51% | 8.92% | $1.71B |
| Q4 2025 | 9.84% | 9.84% | 10.57% | 8.84% | $1.75B |
| Q1 2026 | 10.21% | 10.21% | 10.99% | 8.88% | $1.73B |
| Q2 2026 | 10.08% | 10.08% | 10.87% | 8.92% | $1.80B |
Kish Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kish 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 Kish Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14969) · FFIEC NIC profile (RSSD 600419)