Citizens Bank and Trust Company: 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 standout move of Q2 2026 was in Equity capital to average assets: 1.64 percentage points higher than in Q1 2026, at 14.00%. Citizens Bank and Trust Company ranks 9th of 20 Mississippi banks on CET1 ratio, in the upper half at 16.95% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Citizens Bank and Trust Company sits 2.61 points lower, at 16.95% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.95% |
| Tier 1 risk-based capital ratio | 16.95% |
| Total risk-based capital ratio | 18.21% |
| Tier 1 leverage ratio | 14.00% |
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 | $14.0M |
| Tier 1 capital | $14.0M |
| Total risk-based capital | $15.1M |
| Total equity capital | $14.0M |
| Risk-weighted assets | $82.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.25% |
| Tangible equity to tangible assets | 14.25% |
| Equity capital to average assets | 14.00% |
| Internal capital growth rate | 4.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $513K |
| Common stock surplus | $13.1M |
| Retained earnings | $438K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 16.52% | 16.52% | 17.78% | 12.58% | $78.3M |
| Q4 2023 | 18.33% | 18.33% | 19.60% | 12.46% | $72.7M |
| Q1 2024 | 17.08% | 17.08% | 18.35% | 11.09% | $75.7M |
| Q2 2024 | 15.29% | 15.29% | 16.56% | 12.27% | $85.7M |
| Q3 2024 | 14.92% | 14.92% | 16.18% | 13.15% | $89.7M |
| Q4 2024 | 15.62% | 15.62% | 16.89% | 11.95% | $80.3M |
| Q1 2025 | 16.77% | 16.77% | 18.04% | 11.30% | $76.0M |
| Q2 2025 | 16.21% | 16.21% | 17.47% | 12.84% | $82.6M |
| Q3 2025 | 16.84% | 16.84% | 18.10% | 13.99% | $81.8M |
| Q4 2025 | 17.24% | 17.24% | 18.50% | 14.05% | $79.9M |
| Q1 2026 | 17.81% | 17.81% | 19.08% | 12.36% | $77.9M |
| Q2 2026 | 16.95% | 16.95% | 18.21% | 14.00% | $82.9M |
Citizens Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9777) · FFIEC NIC profile (RSSD 729945)