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 fell 4.5% to $3.4M. On CET1 ratio, Citizens Bank is 3rd from the bottom among 98 Missouri banks, 9.69% (Q2 2026). Citizens Bank reported 9.69% on CET1 ratio for Q2 2026, 5.38 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.69% |
| Tier 1 risk-based capital ratio | 9.69% |
| Total risk-based capital ratio | 10.90% |
| Tier 1 leverage ratio | 7.73% |
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 | $14.7M |
| Tier 1 capital | $14.7M |
| Total risk-based capital | $16.6M |
| Total equity capital | $14.8M |
| Risk-weighted assets | $152.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.86% |
| Tangible equity to tangible assets | 7.84% |
| Equity capital to average assets | 7.75% |
| Internal capital growth rate | -4.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $11.3M |
| Retained earnings | $3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7K |
| 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 | 10.00% | 10.00% | 11.06% | 7.77% | $145.6M |
| Q4 2023 | 11.76% | 11.76% | 12.88% | 9.05% | $145.2M |
| Q1 2024 | 11.95% | 11.95% | 13.10% | 9.11% | $145.3M |
| Q2 2024 | 11.91% | 11.91% | 13.05% | 9.50% | $147.2M |
| Q3 2024 | 11.96% | 11.96% | 13.12% | 9.56% | $147.5M |
| Q4 2024 | 12.08% | 12.08% | 13.28% | 9.35% | $145.8M |
| Q1 2025 | 11.27% | 11.27% | 12.42% | 9.13% | $153.9M |
| Q2 2025 | 11.44% | 11.44% | 12.62% | 9.20% | $151.6M |
| Q3 2025 | 11.10% | 11.10% | 12.29% | 9.13% | $151.9M |
| Q4 2025 | 10.08% | 10.08% | 11.27% | 8.22% | $150.8M |
| Q1 2026 | 9.59% | 9.59% | 10.76% | 7.89% | $155.2M |
| Q2 2026 | 9.69% | 9.69% | 10.90% | 7.73% | $152.2M |
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 22601) · FFIEC NIC profile (RSSD 97457)