Citizens Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.07% +1.07 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $31.4M | 31,369 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $311.6M | 311,642 | RCOAA224 |
| Recomputed ratio | 10.07% | numerator / denominator | |
| Filed ratio | 10.07% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.07 pp | $3.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 9,442 | 9,442 | 9,442 | 9,442 | 9,442 | 9,442 | RCOAP742 |
| Retained earnings | 21,927 | 21,175 | 20,470 | 19,821 | 19,058 | 18,368 | RCOAKW00 |
| Accumulated other comprehensive income | (917) | (805) | (430) | (592) | (916) | (959) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 30,452 | 29,812 | 29,482 | 28,671 | 27,584 | 26,851 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 917 | 805 | 430 | 592 | 916 | 959 | P859 - P840 |
| Common equity Tier 1 capital | 31,369 | 30,617 | 29,912 | 29,263 | 28,500 | 27,810 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 31,369 | 30,617 | 29,912 | 29,263 | 28,500 | 27,810 | RCOA8274 |
| Tier 2 capital | NA | 1,422 | 1,402 | 1,372 | 1,342 | 1,312 | |
| Allowance includable in Tier 2 capital | NA | 1,422 | 1,402 | 1,372 | 1,342 | 1,312 | |
| Total capital | NA | 32,039 | 31,314 | 30,635 | 29,842 | 29,122 | |
| Total risk-weighted assets | NA | 196,284 | 195,098 | 202,921 | 195,810 | 180,899 | |
| Average total assets for the leverage ratio | 311,642 | 304,622 | 304,210 | 278,585 | 267,787 | 257,334 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.07% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.60% | 15.60% | 16.32% | 10.05% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.33% | 15.33% | 16.05% | 9.83% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.42% | 14.42% | 15.10% | 10.50% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.55% | 14.55% | 15.24% | 10.64% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.37% | 15.37% | 16.10% | 10.81% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.08% | 15.08% | 15.79% | 10.53% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.94% | 13.94% | 14.60% | 10.77% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.72% | 13.72% | 14.37% | 10.65% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.18% | 14.18% | 14.85% | 10.47% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.40% | 14.40% | 15.09% | 10.27% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.24% | 13.24% | 13.88% | 10.63% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Citizens Bank (this bank) | CBLR | NA | NA | NA | 10.07% | |
| The First National Bank of Bellevue | $309.7M | CBLR | NA | NA | NA | 9.39% |
| The Stock Exchange Bank | $309.7M | CBLR | NA | NA | NA | 18.02% |
| First National Bank of South Carolina | $309.7M | Risk-based | 24.80% | 24.80% | 26.01% | 12.42% |
| Security Bank | $309.9M | Risk-based | 15.81% | 15.81% | 16.79% | 13.28% |
| The Pecos County State Bank | $309.4M | CBLR | NA | NA | NA | 11.57% |
| Riverbank | $310.2M | CBLR | NA | NA | NA | 11.34% |
| Washington State Bank | $309.2M | Risk-based | 14.96% | 14.96% | 15.91% | 10.81% |
| The Bankers Bank | $310.5M | Risk-based | 14.08% | 14.08% | 15.33% | 12.70% |
| First State Bank | $308.8M | Risk-based | 17.14% | 17.14% | 18.08% | 10.08% |
| Community Bank | $310.8M | Risk-based | 23.98% | 23.98% | 24.99% | 16.02% |
| Peer 25th percentile | 15.17% | 15.17% | 16.13% | 10.94% | ||
| Peer median | 16.48% | 16.48% | 17.43% | 11.99% | ||
| Peer 75th percentile | 22.27% | 22.27% | 23.26% | 13.14% | ||
| This bank's percentile | NA | NA | NA | 10 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/885252/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.