Citizens' Bank, 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, Accumulated other comprehensive income rose 6.6% in Q2 2026 to -$2.7M, 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 | 11.00% |
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 | $17.8M |
| Tier 1 capital | $17.8M |
| Total risk-based capital | — |
| Total equity capital | $15.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.47% |
| Tangible equity to tangible assets | 9.47% |
| Equity capital to average assets | 9.32% |
| Internal capital growth rate | 14.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $700K |
| Retained earnings | $17.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 |
|---|---|---|---|
| Q3 2023 | 9.87% | 5.85% | 5.85% |
| Q4 2023 | 9.66% | 6.86% | 6.86% |
| Q1 2024 | 9.69% | 6.73% | 6.73% |
| Q2 2024 | 10.06% | 7.14% | 7.14% |
| Q3 2024 | 10.26% | 8.15% | 8.15% |
| Q4 2024 | 10.45% | 7.59% | 7.59% |
| Q1 2025 | 10.35% | 7.86% | 7.86% |
| Q2 2025 | 10.44% | 7.90% | 7.90% |
| Q3 2025 | 10.34% | 8.56% | 8.56% |
| Q4 2025 | 10.56% | 9.22% | 9.22% |
| Q1 2026 | 10.73% | 9.04% | 9.04% |
| Q2 2026 | 11.00% | 9.47% | 9.47% |
Citizens' Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens' Bank, 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23523) · FFIEC NIC profile (RSSD 563336)