Morgantown Bank & Trust Company, Incorporated: 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 Retained earnings, which rose 6.2% to $13.6M. Morgantown Bank & Trust Company, Incorporated has the 7th lowest CET1 ratio of the 69 banks headquartered in Kentucky, at 11.44% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Morgantown Bank & Trust Company, Incorporated sits 3.63 points lower, at 11.44% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.44% |
| Tier 1 risk-based capital ratio | 11.44% |
| Total risk-based capital ratio | 12.28% |
| Tier 1 leverage ratio | 8.17% |
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 | $36.0M |
| Tier 1 capital | $36.0M |
| Total risk-based capital | $38.6M |
| Total equity capital | $33.9M |
| Risk-weighted assets | $314.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.70% |
| Tangible equity to tangible assets | 7.70% |
| Equity capital to average assets | 7.69% |
| Internal capital growth rate | 9.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $22.1M |
| Retained earnings | $13.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 11.84% | 11.84% | 12.62% | 7.69% | $194.5M |
| Q4 2023 | 11.01% | 11.01% | 11.76% | 7.44% | $211.3M |
| Q1 2024 | 10.84% | 10.84% | 11.59% | 7.21% | $218.3M |
| Q2 2024 | 12.81% | 12.81% | 13.57% | 8.75% | $231.8M |
| Q3 2024 | 12.42% | 12.42% | 13.19% | 8.50% | $244.5M |
| Q4 2024 | 11.86% | 11.86% | 12.62% | 8.25% | $260.6M |
| Q1 2025 | 11.87% | 11.87% | 12.65% | 8.06% | $266.8M |
| Q2 2025 | 11.44% | 11.44% | 12.23% | 8.18% | $284.5M |
| Q3 2025 | 11.63% | 11.63% | 12.43% | 8.01% | $289.8M |
| Q4 2025 | 11.68% | 11.68% | 12.51% | 8.08% | $295.5M |
| Q1 2026 | 11.43% | 11.43% | 12.25% | 8.20% | $307.9M |
| Q2 2026 | 11.44% | 11.44% | 12.28% | 8.17% | $314.5M |
Morgantown Bank & Trust Company, Incorporated regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgantown Bank & Trust Company, Incorporated, 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 Morgantown Bank & Trust Company, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 275) · FFIEC NIC profile (RSSD 330949)