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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to total assets rose 0.38 percentage points in Q2 2026 to 9.41%, the biggest move on this page. Citizens Bank ranks 34th of 50 Indiana banks on CET1 ratio, in the lower half at 12.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Citizens Bank sits 2.58 points lower, at 12.51% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.51% |
| Tier 1 risk-based capital ratio | 12.51% |
| Total risk-based capital ratio | 13.59% |
| Tier 1 leverage ratio | 9.78% |
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 | $68.2M |
| Tier 1 capital | $68.2M |
| Total risk-based capital | $74.1M |
| Total equity capital | $65.0M |
| Risk-weighted assets | $545.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
| Equity capital to average assets | 9.31% |
| Internal capital growth rate | 4.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $8.5M |
| Retained earnings | $58.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 | 13.23% | 13.23% | 14.38% | 9.85% | $471.9M |
| Q4 2023 | 13.11% | 13.11% | 14.26% | 9.81% | $482.4M |
| Q1 2024 | 13.27% | 13.27% | 14.42% | 9.73% | $480.1M |
| Q2 2024 | 13.16% | 13.16% | 14.31% | 9.82% | $488.4M |
| Q3 2024 | 13.27% | 13.27% | 14.44% | 9.91% | $484.0M |
| Q4 2024 | 12.58% | 12.58% | 13.69% | 9.92% | $507.4M |
| Q1 2025 | 12.42% | 12.42% | 13.51% | 9.97% | $527.6M |
| Q2 2025 | 12.48% | 12.48% | 13.58% | 10.11% | $533.8M |
| Q3 2025 | 13.04% | 13.04% | 14.16% | 9.77% | $520.1M |
| Q4 2025 | 12.73% | 12.73% | 13.83% | 9.80% | $539.5M |
| Q1 2026 | 12.55% | 12.55% | 13.63% | 9.69% | $538.3M |
| Q2 2026 | 12.51% | 12.51% | 13.59% | 9.78% | $545.3M |
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 9647) · FFIEC NIC profile (RSSD 44741)