Citizens' Bank of Charleston: 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%.
Equity capital to average assets climbed 1.05 percentage points in Q2 2026, from 19.34% to 20.40%. 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 | 20.51% |
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 | $37.9M |
| Tier 1 capital | $37.9M |
| Total risk-based capital | — |
| Total equity capital | $37.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.36% |
| Tangible equity to tangible assets | 20.36% |
| Equity capital to average assets | 20.40% |
| Internal capital growth rate | 13.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $800K |
| Retained earnings | $37.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$207K |
| 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 | 18.16% | 17.92% | 17.92% |
| Q4 2023 | 17.91% | 17.84% | 17.84% |
| Q1 2024 | 17.85% | 17.96% | 17.96% |
| Q2 2024 | 19.23% | 18.91% | 18.91% |
| Q3 2024 | 19.65% | 19.25% | 19.25% |
| Q4 2024 | 18.69% | 18.04% | 18.04% |
| Q1 2025 | 19.07% | 19.24% | 19.24% |
| Q2 2025 | 20.22% | 20.30% | 20.30% |
| Q3 2025 | 20.24% | 19.77% | 19.77% |
| Q4 2025 | 19.22% | 18.88% | 18.88% |
| Q1 2026 | 19.46% | 19.72% | 19.72% |
| Q2 2026 | 20.51% | 20.36% | 20.36% |
Citizens' Bank of Charleston regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens' Bank of Charleston, 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 Charleston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17830) · FFIEC NIC profile (RSSD 376947)