Citibank, N.A.: 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 Equity capital to average assets, which fell 0.31 percentage points to 8.62%. Citibank, N.A. ranks 24th of 36 South Dakota banks on CET1 ratio, in the lower half at 13.79% (Q2 2026). Citibank, N.A. reported 13.79% on CET1 ratio for Q2 2026, 1.34 points below the 15.13% median for banks in the >= $250B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.79% |
| Tier 1 risk-based capital ratio | 13.98% |
| Total risk-based capital ratio | 14.71% |
| Tier 1 leverage ratio | 7.87% |
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 | $152.97B |
| Tier 1 capital | $155.09B |
| Total risk-based capital | $171.08B |
| Total equity capital | $171.30B |
| Risk-weighted assets | $1.04T |
Ratios recomputed from the amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital / risk-weighted assets | 14.68% |
| Tier 1 capital / risk-weighted assets | 14.89% |
| Total risk-based capital / risk-weighted assets | 16.42% |
For this bank the reported ratios above do not equal the capital amounts divided by risk-weighted assets. Large banks can report risk-based capital under more than one regulatory approach, and the reported ratio and the risk-weighted assets shown here may come from different approaches. These rows divide the reported capital amounts by the reported risk-weighted assets. The lower of the two figures is the more conservative reading.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.67% |
| Tangible equity to tangible assets | 8.05% |
| Equity capital to average assets | 8.62% |
| Internal capital growth rate | 0.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $751.0M |
| Common stock surplus | $148.56B |
| Retained earnings | $43.61B |
| Preferred stock and surplus | $2.10B |
| Accumulated other comprehensive income | -$23.72B |
| Subordinated notes and debentures | $10.50B |
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 | 14.66% | 14.87% | 16.15% | 9.17% | $976.83B |
| Q4 2023 | 13.91% | 14.12% | 15.20% | 8.95% | $983.96B |
| Q1 2024 | 14.04% | 14.24% | 15.35% | 9.00% | $971.21B |
| Q2 2024 | 14.11% | 14.31% | 15.43% | 8.99% | $972.44B |
| Q3 2024 | 13.93% | 14.13% | 15.22% | 9.04% | $993.92B |
| Q4 2024 | 13.83% | 14.03% | 14.93% | 9.01% | $998.82B |
| Q1 2025 | 13.97% | 14.16% | 15.05% | 9.18% | $1.00T |
| Q2 2025 | 13.76% | 13.94% | 14.83% | 8.95% | $1.02T |
| Q3 2025 | 14.01% | 14.19% | 15.09% | 8.78% | $1.01T |
| Q4 2025 | 14.33% | 14.52% | 15.22% | 8.60% | $1.01T |
| Q1 2026 | 13.77% | 13.96% | 14.68% | 8.16% | $1.03T |
| Q2 2026 | 13.79% | 13.98% | 14.71% | 7.87% | $1.04T |
Citibank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citibank, N.A., 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 Citibank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7213) · FFIEC NIC profile (RSSD 476810)