Citizens Bank and Trust Company of Grainger County: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 14.22% +5.22 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $41.4M | 41,362 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $290.8M | 290,823 | RCOAA224 |
| Recomputed ratio | 14.22% | numerator / denominator | |
| Filed ratio | 14.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.22 pp | $15.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 800 | 800 | 800 | 800 | 800 | 800 | RCOAP742 |
| Retained earnings | 40,562 | 40,971 | 40,163 | 40,541 | 39,668 | 39,969 | RCOAKW00 |
| Accumulated other comprehensive income | (11,785) | (13,083) | (11,626) | (12,916) | (15,846) | (15,652) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,577 | 28,688 | 29,337 | 28,425 | 24,622 | 25,117 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 11,785 | 13,083 | 11,626 | 12,916 | 15,846 | 15,652 | P859 - P840 |
| Common equity Tier 1 capital | 41,362 | 41,771 | 40,963 | 41,341 | 40,468 | 40,769 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 41,362 | 41,771 | 40,963 | 41,341 | 40,468 | 40,769 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 290,823 | 289,040 | 285,917 | 284,181 | 286,062 | 286,746 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 14.22% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.45% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.33% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.55% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 14.15% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 14.22% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 14.17% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.16% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.64% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 13.77% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 13.26% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.48% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Citizens Bank and Trust Company of Grainger County (this bank) | CBLR | NA | NA | NA | 14.22% | |
| Cayuga Lake National Bank | $273.7M | Risk-based | 17.44% | 17.44% | 18.69% | 9.30% |
| Applied Bank | $274.1M | Risk-based | 78.16% | 78.16% | 78.67% | 17.49% |
| First National Bank of Steeleville | $274.5M | Risk-based | 24.43% | 24.43% | 25.27% | 13.55% |
| FNB Bank | $274.6M | CBLR | NA | NA | NA | 14.48% |
| Columbus Bank and Trust Company | $274.6M | CBLR | NA | NA | NA | 9.47% |
| Farmers & Merchants State Bank | $271.7M | Risk-based | 16.13% | 16.13% | 17.04% | 10.68% |
| Davis Trust Company | $274.9M | Risk-based | 11.98% | 11.98% | 12.83% | 8.47% |
| First New Mexico Bank | $275.1M | CBLR | NA | NA | NA | 14.73% |
| Peer 25th percentile | 16.13% | 16.13% | 17.04% | 9.43% | ||
| Peer median | 17.44% | 17.44% | 18.69% | 12.11% | ||
| Peer 75th percentile | 24.43% | 24.43% | 25.27% | 14.54% | ||
| This bank's percentile | NA | NA | NA | 62 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/715630/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.