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, Common equity Tier 1 ratio fell 0.94 percentage points in Q2 2026 to 22.17%, the biggest move on this page. On CET1 ratio, Citizens Bank ranks 2nd highest among the 6 banks headquartered in Oregon, at 22.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens Bank sits 7.10 points higher, at 22.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.17% |
| Tier 1 risk-based capital ratio | 22.17% |
| Total risk-based capital ratio | 23.43% |
| Tier 1 leverage ratio | 13.88% |
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 | $113.5M |
| Tier 1 capital | $113.5M |
| Total risk-based capital | $119.9M |
| Total equity capital | $87.2M |
| Risk-weighted assets | $511.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.58% |
| Tangible equity to tangible assets | 10.58% |
| Equity capital to average assets | 10.66% |
| Internal capital growth rate | 0.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $31.3M |
| Common stock surplus | $24.5M |
| Retained earnings | $57.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26.3M |
| 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 | 19.64% | 19.64% | 20.70% | 10.48% | $557.6M |
| Q4 2023 | 19.89% | 19.89% | 20.97% | 10.54% | $547.7M |
| Q1 2024 | 20.30% | 20.30% | 21.43% | 10.66% | $543.9M |
| Q2 2024 | 21.01% | 21.01% | 22.17% | 11.39% | $528.2M |
| Q3 2024 | 21.91% | 21.91% | 23.14% | 12.22% | $510.0M |
| Q4 2024 | 21.89% | 21.89% | 23.10% | 13.23% | $505.5M |
| Q1 2025 | 22.22% | 22.22% | 23.45% | 13.88% | $501.9M |
| Q2 2025 | 22.69% | 22.69% | 23.94% | 13.79% | $493.9M |
| Q3 2025 | 22.76% | 22.76% | 24.01% | 13.41% | $494.3M |
| Q4 2025 | 22.62% | 22.62% | 23.87% | 13.17% | $496.5M |
| Q1 2026 | 23.11% | 23.11% | 24.37% | 13.81% | $490.4M |
| Q2 2026 | 22.17% | 22.17% | 23.43% | 13.88% | $511.6M |
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 17809) · FFIEC NIC profile (RSSD 98463)