Citizens 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.45 percentage points in Q2 2026 to 13.36%, the biggest move on this page. Within Missouri, Citizens Bank is 37th of 97 on CET1 ratio, 15.12% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio; Citizens Bank reported 15.12% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.37% |
| Tier 1 leverage ratio | 13.10% |
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 | $47.8M |
| Tier 1 capital | $47.8M |
| Total risk-based capital | $51.8M |
| Total equity capital | $47.8M |
| Risk-weighted assets | $316.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.36% |
| Tangible equity to tangible assets | 13.36% |
| Equity capital to average assets | 13.08% |
| Internal capital growth rate | 8.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $7.4M |
| Retained earnings | $40.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$70K |
| 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 | 12.49% | 12.49% | 13.75% | 12.18% | $306.8M |
| Q4 2023 | 12.60% | 12.60% | 13.86% | 12.29% | $309.9M |
| Q1 2024 | 12.99% | 12.99% | 14.24% | 12.40% | $306.9M |
| Q2 2024 | 13.12% | 13.12% | 14.37% | 12.61% | $310.5M |
| Q3 2024 | 12.63% | 12.63% | 13.89% | 12.75% | $328.6M |
| Q4 2024 | 13.32% | 13.32% | 14.57% | 12.73% | $317.2M |
| Q1 2025 | 13.53% | 13.53% | 14.78% | 13.21% | $319.1M |
| Q2 2025 | 13.28% | 13.28% | 14.53% | 12.98% | $331.7M |
| Q3 2025 | 13.58% | 13.58% | 14.84% | 12.97% | $332.0M |
| Q4 2025 | 14.27% | 14.27% | 15.53% | 12.86% | $322.1M |
| Q1 2026 | 14.83% | 14.83% | 16.08% | 13.05% | $315.8M |
| Q2 2026 | 15.12% | 15.12% | 16.37% | 13.10% | $316.5M |
Citizens Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14488) · FFIEC NIC profile (RSSD 1001853)