Citizens Bank and Trust of Lebanon, Inc.: 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, Total equity capital rose 3.5% in Q2 2026 to $10.3M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.33% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $19.5M |
| Tier 1 capital | $19.5M |
| Total risk-based capital | — |
| Total equity capital | $10.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.98% |
| Tangible equity to tangible assets | 5.98% |
| Equity capital to average assets | 6.02% |
| Internal capital growth rate | 1.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $250K |
| Retained earnings | $19.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.1M |
| 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 | 29.81% | 29.81% | 30.49% | 11.19% | $60.1M |
| Q4 2023 | 30.53% | 30.53% | 31.22% | 11.48% | $59.2M |
| Q1 2024 | 29.62% | 29.62% | 30.29% | 11.36% | $61.0M |
| Q2 2024 | 28.65% | 28.65% | 29.29% | 11.39% | $63.2M |
| Q3 2024 | 29.49% | 29.49% | 30.14% | 11.76% | $61.8M |
| Q4 2024 | 29.32% | 29.32% | 29.95% | 11.86% | $62.7M |
| Q1 2025 | 29.00% | 29.00% | 29.62% | 11.87% | $64.0M |
| Q2 2025 | 28.63% | 28.63% | 29.24% | 12.15% | $65.6M |
| Q3 2025 | 29.42% | 29.42% | 30.06% | 12.41% | $64.6M |
| Q4 2025 | 29.07% | 29.07% | 29.62% | 11.75% | $66.2M |
| Q1 2026 | — | — | — | 11.62% | — |
| Q2 2026 | — | — | — | 11.33% | — |
Citizens Bank and Trust of Lebanon, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust of Lebanon, Inc., 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 of Lebanon, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2753) · FFIEC NIC profile (RSSD 641449)