Republic Bank & Trust Company: 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%.
Accumulated other comprehensive income dropped 24.4% in Q2 2026, from -$7.0M to -$8.8M. It was the largest change from Q1 2026 among the key lines here. Republic Bank & Trust Company ranks 25th of 69 Kentucky banks on CET1 ratio, in the upper half at 16.55% (Q2 2026). Republic Bank & Trust Company reported 16.55% on CET1 ratio for Q2 2026, 3.07 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.55% |
| Tier 1 risk-based capital ratio | 16.55% |
| Total risk-based capital ratio | 17.80% |
| Tier 1 leverage ratio | 14.82% |
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 | $1.05B |
| Tier 1 capital | $1.05B |
| Total risk-based capital | $1.13B |
| Total equity capital | $1.09B |
| Risk-weighted assets | $6.37B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.41% |
| Tangible equity to tangible assets | 14.90% |
| Equity capital to average assets | 15.20% |
| Internal capital growth rate | 7.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.8M |
| Common stock surplus | $168.9M |
| Retained earnings | $917.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.8M |
| 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 | 14.47% | 14.47% | 15.68% | 13.42% | $5.87B |
| Q4 2023 | 14.24% | 14.24% | 15.49% | 13.25% | $6.01B |
| Q1 2024 | 14.62% | 14.62% | 15.88% | 12.15% | $5.98B |
| Q2 2024 | 14.76% | 14.76% | 16.01% | 13.30% | $6.02B |
| Q3 2024 | 14.96% | 14.96% | 16.21% | 13.54% | $6.05B |
| Q4 2024 | 14.89% | 14.89% | 16.14% | 13.29% | $6.13B |
| Q1 2025 | 15.68% | 15.68% | 16.94% | 12.97% | $6.04B |
| Q2 2025 | 15.70% | 15.70% | 16.95% | 13.78% | $6.17B |
| Q3 2025 | 15.99% | 15.99% | 17.25% | 14.20% | $6.17B |
| Q4 2025 | 15.55% | 15.55% | 16.80% | 14.17% | $6.43B |
| Q1 2026 | 16.42% | 16.42% | 17.68% | 14.13% | $6.28B |
| Q2 2026 | 16.55% | 16.55% | 17.80% | 14.82% | $6.37B |
Republic Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Republic Bank & Trust Company, 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 Republic Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23627) · FFIEC NIC profile (RSSD 316840)