Citizens and Farmers 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 climbed 38.6% in Q2 2026, from -$12.9M to -$7.9M. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Citizens and Farmers Bank is 29th of 44 on CET1 ratio, 13.54% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Citizens and Farmers Bank reported 13.54% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.54% |
| Tier 1 risk-based capital ratio | 13.54% |
| Total risk-based capital ratio | 14.79% |
| Tier 1 leverage ratio | 11.20% |
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 | $310.5M |
| Tier 1 capital | $310.5M |
| Total risk-based capital | $339.3M |
| Total equity capital | $325.5M |
| Risk-weighted assets | $2.29B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.67% |
| Tangible equity to tangible assets | 10.84% |
| Equity capital to average assets | 11.66% |
| Internal capital growth rate | 5.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.8M |
| Common stock surplus | $98.4M |
| Retained earnings | $232.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 12.75% | 12.75% | 14.01% | 10.15% | $1.91B |
| Q4 2023 | 12.88% | 12.88% | 14.14% | 10.25% | $1.92B |
| Q1 2024 | 12.56% | 12.56% | 13.82% | 10.33% | $1.99B |
| Q2 2024 | 12.24% | 12.24% | 13.50% | 10.25% | $2.06B |
| Q3 2024 | 12.09% | 12.09% | 13.35% | 10.13% | $2.11B |
| Q4 2024 | 12.27% | 12.27% | 13.53% | 10.14% | $2.10B |
| Q1 2025 | 12.44% | 12.44% | 13.70% | 10.28% | $2.12B |
| Q2 2025 | 13.58% | 13.58% | 14.84% | 11.27% | $2.17B |
| Q3 2025 | 13.74% | 13.74% | 15.00% | 11.19% | $2.18B |
| Q4 2025 | 13.58% | 13.58% | 14.84% | 11.09% | $2.23B |
| Q1 2026 | 13.43% | 13.43% | 14.69% | 11.10% | $2.28B |
| Q2 2026 | 13.54% | 13.54% | 14.79% | 11.20% | $2.29B |
Citizens and Farmers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens and Farmers 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 and Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10363) · FFIEC NIC profile (RSSD 928421)