Citizens Alliance 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%.
Accumulated other comprehensive income fell 6.6% from Q1 2026 to Q2 2026, ending at -$12.7M against -$11.9M. It was the largest change among the key lines on this page. Citizens Alliance Bank ranks 108th of 161 Minnesota banks on CET1 ratio, in the lower half at 12.58% (Q2 2026). Citizens Alliance Bank reported 12.58% on CET1 ratio for Q2 2026, 0.91 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.58% |
| Tier 1 risk-based capital ratio | 12.58% |
| Total risk-based capital ratio | 13.60% |
| Tier 1 leverage ratio | 9.81% |
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 | $140.7M |
| Tier 1 capital | $140.7M |
| Total risk-based capital | $152.1M |
| Total equity capital | $142.1M |
| Risk-weighted assets | $1.12B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.89% |
| Tangible equity to tangible assets | 9.00% |
| Equity capital to average assets | 9.81% |
| Internal capital growth rate | 0.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $495K |
| Common stock surplus | $86.6M |
| Retained earnings | $67.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.7M |
| 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 | 10.82% | 10.82% | 11.78% | 7.81% | $1.04B |
| Q4 2023 | 10.83% | 10.83% | 11.83% | 7.68% | $1.07B |
| Q1 2024 | 11.71% | 11.71% | 12.73% | 7.93% | $1.03B |
| Q2 2024 | 11.92% | 11.92% | 12.89% | 8.22% | $1.04B |
| Q3 2024 | 12.09% | 12.09% | 13.03% | 8.30% | $1.04B |
| Q4 2024 | 12.21% | 12.21% | 13.19% | 8.66% | $1.06B |
| Q1 2025 | 12.56% | 12.56% | 13.60% | 8.41% | $1.06B |
| Q2 2025 | 12.69% | 12.69% | 13.70% | 9.08% | $1.08B |
| Q3 2025 | 12.86% | 12.86% | 13.86% | 9.75% | $1.09B |
| Q4 2025 | 13.06% | 13.06% | 14.05% | 9.92% | $1.10B |
| Q1 2026 | 12.91% | 12.91% | 13.95% | 9.63% | $1.08B |
| Q2 2026 | 12.58% | 12.58% | 13.60% | 9.81% | $1.12B |
Citizens Alliance Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1402) · FFIEC NIC profile (RSSD 279954)