Wilson & Muir 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 6.6% in Q2 2026 to -$24.6M, the biggest move on this page. Wilson & Muir Bank & Trust Company ranks 44th of 69 Kentucky banks on CET1 ratio, in the lower half at 13.94% (Q2 2026). Wilson & Muir Bank & Trust Company reported 13.94% on CET1 ratio for Q2 2026, 1.13 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.94% |
| Tier 1 risk-based capital ratio | 13.94% |
| Total risk-based capital ratio | 14.88% |
| Tier 1 leverage ratio | 9.43% |
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 | $80.8M |
| Tier 1 capital | $80.8M |
| Total risk-based capital | $86.3M |
| Total equity capital | $56.2M |
| Risk-weighted assets | $579.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.87% |
| Tangible equity to tangible assets | 6.87% |
| Equity capital to average assets | 6.56% |
| Internal capital growth rate | -2.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $14.2M |
| Retained earnings | $65.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.6M |
| 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 | 12.39% | 12.39% | 13.34% | 8.13% | $498.0M |
| Q4 2023 | 13.04% | 13.04% | 14.03% | 8.55% | $504.8M |
| Q1 2024 | 12.35% | 12.35% | 13.28% | 8.53% | $535.8M |
| Q2 2024 | 12.13% | 12.13% | 13.06% | 8.25% | $542.0M |
| Q3 2024 | 12.17% | 12.17% | 13.09% | 8.36% | $553.9M |
| Q4 2024 | 13.06% | 13.06% | 13.97% | 8.80% | $557.3M |
| Q1 2025 | 13.21% | 13.21% | 14.10% | 8.96% | $560.3M |
| Q2 2025 | 13.05% | 13.05% | 14.00% | 8.71% | $564.0M |
| Q3 2025 | 13.56% | 13.56% | 14.48% | 8.98% | $556.7M |
| Q4 2025 | 14.42% | 14.42% | 15.40% | 9.42% | $559.9M |
| Q1 2026 | 14.40% | 14.40% | 15.36% | 9.48% | $563.6M |
| Q2 2026 | 13.94% | 13.94% | 14.88% | 9.43% | $579.7M |
Wilson & Muir Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson & Muir 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 Wilson & Muir Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17040) · FFIEC NIC profile (RSSD 899343)