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 Retained earnings: 8.3% higher than in Q1 2026, at $10.7M. On CET1 ratio, Citizens Bank is 4th from the bottom among 184 Texas banks, 10.10% (Q2 2026). Citizens Bank reported 10.10% on CET1 ratio for Q2 2026, 4.98 points below 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 | 10.10% |
| Tier 1 risk-based capital ratio | 10.10% |
| Total risk-based capital ratio | 11.37% |
| Tier 1 leverage ratio | 6.90% |
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 | $33.8M |
| Tier 1 capital | $33.8M |
| Total risk-based capital | $38.0M |
| Total equity capital | $33.3M |
| Risk-weighted assets | $334.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.81% |
| Tangible equity to tangible assets | 6.81% |
| Equity capital to average assets | 6.80% |
| Internal capital growth rate | 9.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $22.1M |
| Retained earnings | $10.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$503K |
| 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 | 20.53% | 20.53% | 21.78% | 13.33% | $328.6M |
| Q4 2023 | 20.81% | 20.81% | 22.07% | 13.86% | $328.5M |
| Q1 2024 | 21.15% | 21.15% | 22.40% | 14.08% | $327.0M |
| Q2 2024 | 21.77% | 21.77% | 23.03% | 14.37% | $320.5M |
| Q3 2024 | 21.86% | 21.86% | 23.12% | 14.69% | $321.8M |
| Q4 2024 | 21.79% | 21.79% | 23.05% | 14.65% | $325.1M |
| Q1 2025 | 21.58% | 21.58% | 22.84% | 14.72% | $330.3M |
| Q2 2025 | 20.52% | 20.52% | 21.78% | 14.71% | $352.3M |
| Q3 2025 | 22.50% | 22.50% | 23.77% | 14.81% | $326.3M |
| Q4 2025 | 21.03% | 21.03% | 22.29% | 14.81% | $355.7M |
| Q1 2026 | 9.91% | 9.91% | 11.18% | 6.37% | $332.8M |
| Q2 2026 | 10.10% | 10.10% | 11.37% | 6.90% | $334.6M |
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 16817) · FFIEC NIC profile (RSSD 744854)