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.
The standout move of Q2 2026 was in Equity capital to total assets: 0.80 percentage points higher than in Q1 2026, at 12.82%. Among 20 Mississippi banks, Citizens Bank sits 2nd from the top on CET1 ratio, 21.98% as of Q2 2026. Citizens Bank reported 21.98% on CET1 ratio for Q2 2026, 6.89 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.98% |
| Tier 1 risk-based capital ratio | 21.98% |
| Total risk-based capital ratio | 23.23% |
| Tier 1 leverage ratio | 13.48% |
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 | $64.4M |
| Tier 1 capital | $64.4M |
| Total risk-based capital | $68.0M |
| Total equity capital | $59.8M |
| Risk-weighted assets | $292.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.82% |
| Tangible equity to tangible assets | 12.82% |
| Equity capital to average assets | 12.63% |
| Internal capital growth rate | 8.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $347K |
| Common stock surplus | $20.9M |
| Retained earnings | $43.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| 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 | 18.93% | 18.93% | 20.18% | 12.42% | $294.4M |
| Q4 2023 | 20.30% | 20.30% | 21.56% | 13.57% | $300.2M |
| Q1 2024 | 19.93% | 19.93% | 21.19% | 13.19% | $297.1M |
| Q2 2024 | 20.10% | 20.10% | 21.35% | 13.13% | $298.4M |
| Q3 2024 | 20.43% | 20.43% | 21.68% | 13.01% | $297.5M |
| Q4 2024 | 20.75% | 20.75% | 22.00% | 13.39% | $299.2M |
| Q1 2025 | 20.21% | 20.21% | 21.46% | 12.70% | $298.2M |
| Q2 2025 | 21.14% | 21.14% | 22.39% | 12.84% | $290.1M |
| Q3 2025 | 22.07% | 22.07% | 23.32% | 13.19% | $290.5M |
| Q4 2025 | 21.61% | 21.61% | 22.86% | 13.28% | $297.9M |
| Q1 2026 | 20.90% | 20.90% | 22.15% | 13.08% | $302.2M |
| Q2 2026 | 21.98% | 21.98% | 23.23% | 13.48% | $292.9M |
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 324) · FFIEC NIC profile (RSSD 514132)