Citizens Bank and Trust Company of Grainger County: 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 Q3 2026 was in Accumulated other comprehensive income: 50.0% lower than in Q2 2026, at -$17.7M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.37% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $42.2M |
| Tier 1 capital | $42.2M |
| Total risk-based capital | — |
| Total equity capital | $24.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 9.01% |
| Tangible equity to tangible assets | 9.01% |
| Equity capital to average assets | 8.35% |
| Internal capital growth rate | 10.85% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $400K |
| Retained earnings | $41.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 13.26% | 8.98% | 8.98% |
| Q1 2024 | 13.77% | 8.88% | 8.88% |
| Q2 2024 | 13.64% | 8.67% | 8.67% |
| Q3 2024 | 14.16% | 10.46% | 10.46% |
| Q4 2024 | 14.17% | 8.94% | 8.94% |
| Q1 2025 | 14.22% | 9.35% | 9.35% |
| Q2 2025 | 14.15% | 9.38% | 9.38% |
| Q3 2025 | 14.55% | 10.63% | 10.63% |
| Q4 2025 | 14.33% | 10.76% | 10.76% |
| Q1 2026 | 14.45% | 10.45% | 10.45% |
| Q2 2026 | 14.22% | 10.83% | 10.83% |
| Q3 2026 | 14.37% | 9.01% | 9.01% |
Citizens Bank and Trust Company of Grainger County 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 of Grainger County, 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 of Grainger County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10317) · FFIEC NIC profile (RSSD 715630)