Citizens Bank of Ada: 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, Retained earnings rose 6.0% in Q2 2026 to $29.7M, 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 | 9.50% |
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 | $33.6M |
| Tier 1 capital | $33.6M |
| Total risk-based capital | — |
| Total equity capital | $32.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.21% |
| Tangible equity to tangible assets | 9.21% |
| Equity capital to average assets | 9.22% |
| Internal capital growth rate | 21.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $2.2M |
| Retained earnings | $29.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$989K |
| 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 | 15.67% | 15.67% | 16.66% | 8.64% | $160.1M |
| Q4 2023 | 14.92% | 14.92% | 15.96% | 8.38% | $167.2M |
| Q1 2024 | 15.44% | 15.44% | 16.49% | 8.59% | $169.8M |
| Q2 2024 | 15.91% | 15.91% | 16.97% | 9.02% | $173.8M |
| Q3 2024 | 16.59% | 16.59% | 17.67% | 9.43% | $175.8M |
| Q4 2024 | 15.58% | 15.58% | 16.68% | 8.84% | $179.8M |
| Q1 2025 | 16.71% | 16.71% | 17.86% | 9.21% | $176.1M |
| Q2 2025 | 17.73% | 17.73% | 18.92% | 9.60% | $174.6M |
| Q3 2025 | 18.88% | 18.88% | 20.12% | 10.04% | $172.6M |
| Q4 2025 | 17.55% | 17.55% | 18.80% | 9.25% | $173.4M |
| Q1 2026 | — | — | — | 9.42% | — |
| Q2 2026 | — | — | — | 9.50% | — |
Citizens Bank of Ada regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Ada, 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 of Ada profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19679) · FFIEC NIC profile (RSSD 807656)