River City Bank, Inc.: 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 rose 5.5% from Q1 2026 to Q2 2026, ending at -$8.9M against -$9.4M. It was the largest change among the key lines on this page. River City Bank, Inc. ranks 35th of 69 Kentucky banks on CET1 ratio, in the lower half at 14.81% (Q2 2026). At 14.81%, River City Bank, Inc.'s CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.81% |
| Tier 1 risk-based capital ratio | 14.81% |
| Total risk-based capital ratio | 15.51% |
| Tier 1 leverage ratio | 11.72% |
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 | $59.3M |
| Tier 1 capital | $59.3M |
| Total risk-based capital | $62.2M |
| Total equity capital | $50.4M |
| Risk-weighted assets | $400.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
| Equity capital to average assets | 9.96% |
| Internal capital growth rate | 12.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.5M |
| Retained earnings | $56.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.9M |
| 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 | 14.62% | 14.62% | 15.25% | 12.06% | $353.8M |
| Q4 2023 | 14.27% | 14.27% | 14.90% | 11.61% | $360.0M |
| Q1 2024 | 13.04% | 13.04% | 13.69% | 11.19% | $391.3M |
| Q2 2024 | 13.43% | 13.43% | 14.12% | 10.54% | $381.6M |
| Q3 2024 | 13.05% | 13.05% | 13.71% | 10.54% | $397.7M |
| Q4 2024 | 12.98% | 12.98% | 13.63% | 10.54% | $406.2M |
| Q1 2025 | 12.95% | 12.95% | 13.59% | 10.47% | $410.2M |
| Q2 2025 | 12.90% | 12.90% | 13.57% | 10.53% | $419.1M |
| Q3 2025 | 13.73% | 13.73% | 14.42% | 10.80% | $406.3M |
| Q4 2025 | 14.40% | 14.40% | 15.11% | 11.03% | $394.8M |
| Q1 2026 | 14.42% | 14.42% | 15.12% | 11.57% | $400.9M |
| Q2 2026 | 14.81% | 14.81% | 15.51% | 11.72% | $400.8M |
River City Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock River City Bank, Inc., 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 River City Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26703) · FFIEC NIC profile (RSSD 396244)