The Citizens Bank 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%.
Accumulated other comprehensive income climbed 32.1% in Q2 2026, from -$5.7M to -$3.9M. It was the largest change from Q1 2026 among the key lines here.
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 | 13.56% |
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 | $45.6M |
| Tier 1 capital | $45.6M |
| Total risk-based capital | — |
| Total equity capital | $41.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.48% |
| Tangible equity to tangible assets | 12.48% |
| Equity capital to average assets | 12.41% |
| Internal capital growth rate | 0.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $1.5M |
| Retained earnings | $42.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.9M |
| 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 |
|---|---|---|---|
| Q3 2023 | 12.44% | 9.17% | 9.17% |
| Q4 2023 | 12.71% | 10.64% | 10.64% |
| Q1 2024 | 12.83% | 10.67% | 10.67% |
| Q2 2024 | 12.86% | 10.60% | 10.60% |
| Q3 2024 | 12.50% | 10.86% | 10.86% |
| Q4 2024 | 12.87% | 10.80% | 10.80% |
| Q1 2025 | 13.11% | 10.92% | 10.92% |
| Q2 2025 | 13.09% | 10.29% | 10.29% |
| Q3 2025 | 13.08% | 11.32% | 11.32% |
| Q4 2025 | 13.33% | 11.99% | 11.99% |
| Q1 2026 | 13.79% | 12.09% | 12.09% |
| Q2 2026 | 13.56% | 12.48% | 12.48% |
The Citizens Bank Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank 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 The Citizens Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10266) · FFIEC NIC profile (RSSD 1010015)