Citizens Bank and Trust: 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, Retained earnings rose 6.3% in Q2 2026 to $59.1M, the biggest move on this page. Citizens Bank and Trust ranks 43rd of 56 Florida banks on CET1 ratio, in the lower half at 12.65% (Q2 2026). Citizens Bank and Trust reported 12.65% on CET1 ratio for Q2 2026, 0.83 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.65% |
| Tier 1 risk-based capital ratio | 12.65% |
| Total risk-based capital ratio | 13.71% |
| Tier 1 leverage ratio | 8.04% |
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 | $122.9M |
| Tier 1 capital | $122.9M |
| Total risk-based capital | $133.2M |
| Total equity capital | $60.8M |
| Risk-weighted assets | $971.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.11% |
| Tangible equity to tangible assets | 4.10% |
| Equity capital to average assets | 3.97% |
| Internal capital growth rate | 24.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $62.9M |
| Retained earnings | $59.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$62.3M |
| 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 | 12.45% | 12.45% | 13.40% | 7.25% | $814.1M |
| Q4 2023 | 12.05% | 12.05% | 12.98% | 7.33% | $853.2M |
| Q1 2024 | 12.24% | 12.24% | 13.14% | 7.34% | $849.2M |
| Q2 2024 | 11.96% | 11.96% | 12.88% | 7.39% | $877.4M |
| Q3 2024 | 12.00% | 12.00% | 12.93% | 7.44% | $885.4M |
| Q4 2024 | 12.08% | 12.08% | 13.02% | 7.51% | $894.8M |
| Q1 2025 | 12.21% | 12.21% | 13.17% | 7.65% | $905.1M |
| Q2 2025 | 11.89% | 11.89% | 12.90% | 7.65% | $945.2M |
| Q3 2025 | 12.21% | 12.21% | 13.25% | 7.66% | $940.1M |
| Q4 2025 | 12.17% | 12.17% | 13.33% | 7.72% | $953.6M |
| Q1 2026 | 12.50% | 12.50% | 13.55% | 7.88% | $956.0M |
| Q2 2026 | 12.65% | 12.65% | 13.71% | 8.04% | $971.6M |
Citizens Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5673) · FFIEC NIC profile (RSSD 701839)