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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.6% to $21.9M.
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 | 10.07% |
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 | $31.4M |
| Tier 1 capital | $31.4M |
| Total risk-based capital | — |
| Total equity capital | $30.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.83% |
| Tangible equity to tangible assets | 9.83% |
| Equity capital to average assets | 9.77% |
| Internal capital growth rate | 10.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $108K |
| Common stock surplus | $9.3M |
| Retained earnings | $21.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$917K |
| 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 | 13.24% | 13.24% | 13.88% | 10.63% | $179.7M |
| Q4 2023 | 14.40% | 14.40% | 15.09% | 10.27% | $169.5M |
| Q1 2024 | 14.18% | 14.18% | 14.85% | 10.47% | $177.0M |
| Q2 2024 | 13.72% | 13.72% | 14.37% | 10.65% | $188.5M |
| Q3 2024 | 13.94% | 13.94% | 14.60% | 10.77% | $190.4M |
| Q4 2024 | 15.08% | 15.08% | 15.79% | 10.53% | $179.9M |
| Q1 2025 | 15.37% | 15.37% | 16.10% | 10.81% | $180.9M |
| Q2 2025 | 14.55% | 14.55% | 15.24% | 10.64% | $195.8M |
| Q3 2025 | 14.42% | 14.42% | 15.10% | 10.50% | $202.9M |
| Q4 2025 | 15.33% | 15.33% | 16.05% | 9.83% | $195.1M |
| Q1 2026 | 15.60% | 15.60% | 16.32% | 10.05% | $196.3M |
| Q2 2026 | — | — | — | 10.07% | — |
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 3140) · FFIEC NIC profile (RSSD 885252)