United Citizens Bank of Southern Kentucky, 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%.
Compared with Q1 2026, Retained earnings rose 6.9% in Q2 2026 to $21.7M, the biggest move on this page. United Citizens Bank of Southern Kentucky, Inc. ranks 31st of 69 Kentucky banks on CET1 ratio, in the upper half at 15.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. United Citizens Bank of Southern Kentucky, Inc. sits 0.86 points higher, at 15.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.93% |
| Tier 1 risk-based capital ratio | 15.93% |
| Total risk-based capital ratio | 17.19% |
| Tier 1 leverage ratio | 12.07% |
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 | $33.7M |
| Tier 1 capital | $33.7M |
| Total risk-based capital | $36.4M |
| Total equity capital | $33.0M |
| Risk-weighted assets | $211.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.52% |
| Tangible equity to tangible assets | 11.52% |
| Equity capital to average assets | 11.79% |
| Internal capital growth rate | 17.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.0M |
| Common stock surplus | $6.0M |
| Retained earnings | $21.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$786K |
| 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 | 15.22% | 15.22% | 16.47% | 12.12% | $176.3M |
| Q4 2023 | 15.53% | 15.53% | 16.78% | 12.19% | $176.8M |
| Q1 2024 | 14.97% | 14.97% | 16.23% | 11.48% | $179.6M |
| Q2 2024 | 14.75% | 14.75% | 16.00% | 11.40% | $188.4M |
| Q3 2024 | 14.75% | 14.75% | 16.00% | 11.52% | $195.9M |
| Q4 2024 | 15.09% | 15.09% | 16.35% | 11.67% | $197.7M |
| Q1 2025 | 14.82% | 14.82% | 16.07% | 11.23% | $197.4M |
| Q2 2025 | 15.15% | 15.15% | 16.40% | 11.49% | $201.4M |
| Q3 2025 | 15.82% | 15.82% | 17.07% | 11.86% | $200.9M |
| Q4 2025 | 16.60% | 16.60% | 17.86% | 12.15% | $197.7M |
| Q1 2026 | 16.29% | 16.29% | 17.54% | 11.88% | $198.5M |
| Q2 2026 | 15.93% | 15.93% | 17.19% | 12.07% | $211.8M |
United Citizens Bank of Southern Kentucky, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock United Citizens Bank of Southern Kentucky, 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 United Citizens Bank of Southern Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57867) · FFIEC NIC profile (RSSD 3306598)