Citizens Bank, N.A.: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.4% lower than in Q1 2026, at -$2.24B. The median for banks in the $100B-250B asset tier is 12.36% on CET1 ratio. Citizens Bank, N.A. sits 0.44 points lower, at 11.92% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.92% |
| Tier 1 risk-based capital ratio | 11.92% |
| Total risk-based capital ratio | 13.75% |
| Tier 1 leverage ratio | 9.39% |
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 | $20.87B |
| Tier 1 capital | $20.87B |
| Total risk-based capital | $24.07B |
| Total equity capital | $26.48B |
| Risk-weighted assets | $175.10B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.39% |
| Tangible equity to tangible assets | 8.18% |
| Equity capital to average assets | 11.51% |
| Internal capital growth rate | 0.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $22.35B |
| Retained earnings | $6.37B |
| Preferred stock and surplus | $75K |
| Accumulated other comprehensive income | -$2.24B |
| Subordinated notes and debentures | $1.12B |
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 | 11.08% | 11.08% | 12.81% | 9.06% | $175.87B |
| Q4 2023 | 11.28% | 11.28% | 13.05% | 8.86% | $172.09B |
| Q1 2024 | 11.44% | 11.44% | 13.31% | 9.01% | $169.59B |
| Q2 2024 | 11.68% | 11.68% | 13.57% | 9.16% | $167.73B |
| Q3 2024 | 11.86% | 11.86% | 13.72% | 9.36% | $167.88B |
| Q4 2024 | 12.27% | 12.27% | 14.16% | 9.56% | $164.99B |
| Q1 2025 | 12.33% | 12.33% | 14.25% | 9.74% | $166.20B |
| Q2 2025 | 12.41% | 12.41% | 14.31% | 9.79% | $166.97B |
| Q3 2025 | 12.41% | 12.41% | 14.31% | 9.80% | $167.77B |
| Q4 2025 | 12.27% | 12.27% | 14.14% | 9.77% | $170.66B |
| Q1 2026 | 12.12% | 12.12% | 13.98% | 9.61% | $172.26B |
| Q2 2026 | 11.92% | 11.92% | 13.75% | 9.39% | $175.10B |
Citizens Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57957) · FFIEC NIC profile (RSSD 3303298)