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, Accumulated other comprehensive income rose 5.1% in Q2 2026 to -$8.5M, the biggest move on this page.
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 | 13.64% |
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 | $160.9M |
| Tier 1 capital | $160.9M |
| Total risk-based capital | — |
| Total equity capital | $152.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.07% |
| Tangible equity to tangible assets | 13.06% |
| Equity capital to average assets | 12.92% |
| Internal capital growth rate | 7.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $9.0M |
| Retained earnings | $150.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.5M |
| 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 | 13.64% | 11.63% | 11.63% |
| Q4 2023 | 13.73% | 11.66% | 11.66% |
| Q1 2024 | 13.15% | 11.50% | 11.50% |
| Q2 2024 | 13.27% | 11.92% | 11.92% |
| Q3 2024 | 13.56% | 12.56% | 12.56% |
| Q4 2024 | 13.75% | 12.30% | 12.30% |
| Q1 2025 | 13.62% | 12.32% | 12.30% |
| Q2 2025 | 13.71% | 12.61% | 12.60% |
| Q3 2025 | 14.05% | 12.81% | 12.79% |
| Q4 2025 | 14.24% | 12.85% | 12.84% |
| Q1 2026 | 13.45% | 12.73% | 12.71% |
| Q2 2026 | 13.64% | 13.07% | 13.06% |
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 13055) · FFIEC NIC profile (RSSD 783844)