The Lincoln National Bank of Hodgenville: 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: 12.0% higher than in Q1 2026, at -$3.7M. The Lincoln National Bank of Hodgenville ranks 11th of 69 Kentucky banks on CET1 ratio, in the upper half at 23.30% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, The Lincoln National Bank of Hodgenville reported 23.30% on CET1 ratio in Q2 2026, 8.23 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.30% |
| Tier 1 risk-based capital ratio | 23.30% |
| Total risk-based capital ratio | 24.56% |
| Tier 1 leverage ratio | 14.89% |
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 | $68.5M |
| Tier 1 capital | $68.5M |
| Total risk-based capital | $72.2M |
| Total equity capital | $65.7M |
| Risk-weighted assets | $293.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.45% |
| Tangible equity to tangible assets | 14.28% |
| Equity capital to average assets | 14.25% |
| Internal capital growth rate | 9.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $495K |
| Common stock surplus | $19.3M |
| Retained earnings | $49.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 21.75% | 21.75% | 23.01% | 12.78% | $253.5M |
| Q4 2023 | 21.72% | 21.72% | 22.98% | 13.08% | $257.9M |
| Q1 2024 | 21.22% | 21.22% | 22.48% | 13.34% | $269.1M |
| Q2 2024 | 21.54% | 21.54% | 22.79% | 13.55% | $271.6M |
| Q3 2024 | 21.65% | 21.65% | 22.90% | 13.93% | $276.3M |
| Q4 2024 | 21.39% | 21.39% | 22.64% | 13.76% | $284.9M |
| Q1 2025 | 21.69% | 21.69% | 22.94% | 13.85% | $286.8M |
| Q2 2025 | 22.12% | 22.12% | 23.37% | 14.11% | $287.3M |
| Q3 2025 | 22.46% | 22.46% | 23.71% | 14.50% | $289.4M |
| Q4 2025 | 22.91% | 22.91% | 24.17% | 14.54% | $286.6M |
| Q1 2026 | 23.11% | 23.11% | 24.36% | 14.80% | $289.8M |
| Q2 2026 | 23.30% | 23.30% | 24.56% | 14.89% | $293.8M |
The Lincoln National Bank of Hodgenville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lincoln National Bank of Hodgenville, 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 The Lincoln National Bank of Hodgenville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2750) · FFIEC NIC profile (RSSD 553944)