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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.0% higher than in Q1 2026, at -$28.9M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.29% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $140.7M |
| Tier 1 capital | $140.7M |
| Total risk-based capital | — |
| Total equity capital | $111.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.44% |
| Tangible equity to tangible assets | 13.44% |
| Equity capital to average assets | 12.95% |
| Internal capital growth rate | 16.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.0M |
| Common stock surplus | $10.0M |
| Retained earnings | $120.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$28.9M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 18.12% | 11.73% | 11.73% |
| Q4 2023 | 18.46% | 13.69% | 13.69% |
| Q1 2024 | 16.95% | 12.24% | 12.24% |
| Q2 2024 | 16.92% | 12.29% | 12.29% |
| Q3 2024 | 16.58% | 13.66% | 13.66% |
| Q4 2024 | 16.79% | 12.76% | 12.76% |
| Q1 2025 | 15.84% | 11.99% | 11.99% |
| Q2 2025 | 16.15% | 11.62% | 11.62% |
| Q3 2025 | 16.49% | 13.10% | 13.10% |
| Q4 2025 | 16.67% | 13.56% | 13.56% |
| Q1 2026 | 15.89% | 12.50% | 12.50% |
| Q2 2026 | 16.29% | 13.44% | 13.44% |
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 893) · FFIEC NIC profile (RSSD 126834)