Citizens 1st Bank: 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 standout move of Q2 2026 was in Common equity Tier 1 ratio: 2.04 percentage points higher than in Q1 2026, at 38.50%. On CET1 ratio, Citizens 1st Bank ranks 17th highest among the 184 banks headquartered in Texas, at 38.50% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Citizens 1st Bank reported 38.50% on CET1 ratio in Q2 2026, 23.43 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 38.50% |
| Tier 1 risk-based capital ratio | 38.50% |
| Total risk-based capital ratio | 39.10% |
| Tier 1 leverage ratio | 20.52% |
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 | $172.0M |
| Tier 1 capital | $172.0M |
| Total risk-based capital | $174.7M |
| Total equity capital | $147.8M |
| Risk-weighted assets | $446.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.23% |
| Tangible equity to tangible assets | 18.23% |
| Equity capital to average assets | 17.63% |
| Internal capital growth rate | 10.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $40.0M |
| Retained earnings | $128.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.2M |
| 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 | 41.20% | 41.20% | 41.61% | 20.80% | $381.4M |
| Q4 2023 | 39.66% | 39.66% | 40.05% | 20.45% | $390.9M |
| Q1 2024 | 39.80% | 39.80% | 40.20% | 20.39% | $393.1M |
| Q2 2024 | 37.54% | 37.54% | 37.95% | 20.78% | $423.1M |
| Q3 2024 | 38.76% | 38.76% | 39.20% | 21.06% | $415.3M |
| Q4 2024 | 37.47% | 37.47% | 37.93% | 20.89% | $427.8M |
| Q1 2025 | 37.54% | 37.54% | 38.01% | 20.35% | $432.7M |
| Q2 2025 | 38.03% | 38.03% | 38.50% | 20.84% | $434.7M |
| Q3 2025 | 37.91% | 37.91% | 38.40% | 21.19% | $443.2M |
| Q4 2025 | 36.89% | 36.89% | 37.58% | 20.28% | $447.2M |
| Q1 2026 | 36.46% | 36.46% | 37.12% | 20.28% | $461.5M |
| Q2 2026 | 38.50% | 38.50% | 39.10% | 20.52% | $446.7M |
Citizens 1st Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens 1st Bank, 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 Citizens 1st Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1715) · FFIEC NIC profile (RSSD 869663)