Traditional 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%.
The largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 2.6% to $215.4M. Within Kentucky, Traditional Bank, Inc. is 43rd of 69 on CET1 ratio, 14.02% as of Q2 2026, below the middle of the field. Traditional Bank, Inc. reported 14.02% on CET1 ratio for Q2 2026, 0.54 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 | 14.02% |
| Tier 1 risk-based capital ratio | 14.02% |
| Total risk-based capital ratio | 15.11% |
| Tier 1 leverage ratio | 10.56% |
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 | $261.4M |
| Tier 1 capital | $261.4M |
| Total risk-based capital | $281.8M |
| Total equity capital | $215.4M |
| Risk-weighted assets | $1.86B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.83% |
| Tangible equity to tangible assets | 8.83% |
| Equity capital to average assets | 8.70% |
| Internal capital growth rate | 8.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $9.6M |
| Retained earnings | $247.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$46.0M |
| 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 | 14.94% | 14.94% | 16.00% | 10.47% | $1.64B |
| Q4 2023 | 14.36% | 14.36% | 15.41% | 9.94% | $1.67B |
| Q1 2024 | 14.67% | 14.67% | 15.77% | 10.02% | $1.64B |
| Q2 2024 | 14.32% | 14.32% | 15.41% | 10.22% | $1.68B |
| Q3 2024 | 13.91% | 13.91% | 14.96% | 10.20% | $1.74B |
| Q4 2024 | 14.03% | 14.03% | 15.09% | 10.02% | $1.74B |
| Q1 2025 | 13.92% | 13.92% | 14.97% | 10.18% | $1.76B |
| Q2 2025 | 13.90% | 13.90% | 14.97% | 10.29% | $1.78B |
| Q3 2025 | 13.84% | 13.84% | 14.92% | 10.20% | $1.80B |
| Q4 2025 | 13.71% | 13.71% | 14.80% | 10.06% | $1.84B |
| Q1 2026 | 13.83% | 13.83% | 14.91% | 10.42% | $1.86B |
| Q2 2026 | 14.02% | 14.02% | 15.11% | 10.56% | $1.86B |
Traditional Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditional 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 Traditional Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2711) · FFIEC NIC profile (RSSD 786210)