PBT Bancorp: 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 climbed 10.4% in Q2 2026, from $337.5M to $372.5M. It was the largest change from Q1 2026 among the key lines here. PBT Bancorp has the 1st lowest CET1 ratio of the 69 banks headquartered in Kentucky, at 9.35% as of Q2 2026. PBT Bancorp reported 9.35% on CET1 ratio for Q2 2026, 5.73 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.35% |
| Tier 1 risk-based capital ratio | 9.35% |
| Total risk-based capital ratio | 10.49% |
| Tier 1 leverage ratio | 8.15% |
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 | $34.8M |
| Tier 1 capital | $34.8M |
| Total risk-based capital | $39.1M |
| Total equity capital | $24.0M |
| Risk-weighted assets | $372.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.06% |
| Tangible equity to tangible assets | 5.06% |
| Equity capital to average assets | 5.60% |
| Internal capital growth rate | 1.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $33.6M |
| Retained earnings | $724K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.9M |
| 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 | 11.65% | 11.65% | 12.90% | 8.63% | $235.2M |
| Q4 2023 | 11.92% | 11.92% | 13.17% | 8.43% | $228.6M |
| Q1 2024 | 11.80% | 11.80% | 13.05% | 8.91% | $236.2M |
| Q2 2024 | 11.75% | 11.75% | 13.00% | 8.97% | $240.7M |
| Q3 2024 | 12.23% | 12.23% | 13.48% | 8.94% | $234.5M |
| Q4 2024 | 11.50% | 11.50% | 12.69% | 9.03% | $251.5M |
| Q1 2025 | 11.33% | 11.33% | 12.48% | 8.85% | $258.3M |
| Q2 2025 | 10.79% | 10.79% | 11.87% | 8.63% | $274.8M |
| Q3 2025 | 11.30% | 11.30% | 12.38% | 8.81% | $270.6M |
| Q4 2025 | 11.42% | 11.42% | 12.45% | 9.49% | $308.1M |
| Q1 2026 | 10.30% | 10.30% | 11.45% | 8.67% | $337.5M |
| Q2 2026 | 9.35% | 9.35% | 10.49% | 8.15% | $372.5M |
PBT Bancorp regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock PBT Bancorp, 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 PBT Bancorp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8117) · FFIEC NIC profile (RSSD 814711)