Citizens Bank Minnesota: 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 dropped 10.9% in Q2 2026, from -$5.2M to -$5.8M. It was the largest change from Q1 2026 among the key lines here. Citizens Bank Minnesota ranks 130th of 161 Minnesota banks on CET1 ratio, in the lower half at 11.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens Bank Minnesota sits 3.39 points lower, at 11.68% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.68% |
| Tier 1 risk-based capital ratio | 11.68% |
| Total risk-based capital ratio | 12.33% |
| Tier 1 leverage ratio | 9.33% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $55.8M |
| Tier 1 capital | $55.8M |
| Total risk-based capital | $59.0M |
| Total equity capital | $53.9M |
| Risk-weighted assets | $478.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.04% |
| Tangible equity to tangible assets | 8.46% |
| Equity capital to average assets | 8.95% |
| Internal capital growth rate | 4.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $49.7M |
| Retained earnings | $9.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 11.07% | 11.07% | 11.67% | 8.71% | $469.4M |
| Q4 2023 | 10.90% | 10.90% | 11.52% | 8.63% | $476.9M |
| Q1 2024 | 11.14% | 11.14% | 11.77% | 8.84% | $471.7M |
| Q2 2024 | 11.04% | 11.04% | 11.68% | 8.74% | $471.0M |
| Q3 2024 | 11.42% | 11.42% | 12.07% | 9.19% | $461.9M |
| Q4 2024 | 11.18% | 11.18% | 11.83% | 9.13% | $469.8M |
| Q1 2025 | 11.62% | 11.62% | 12.28% | 9.24% | $457.8M |
| Q2 2025 | 11.45% | 11.45% | 12.13% | 9.06% | $463.5M |
| Q3 2025 | 11.37% | 11.37% | 12.04% | 9.14% | $476.0M |
| Q4 2025 | 11.26% | 11.26% | 11.94% | 9.05% | $478.9M |
| Q1 2026 | 11.67% | 11.67% | 12.33% | 9.39% | $472.9M |
| Q2 2026 | 11.68% | 11.68% | 12.33% | 9.33% | $478.1M |
Citizens Bank Minnesota regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8200) · FFIEC NIC profile (RSSD 874050)