The Citizens Bank of Clovis: 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 largest change between Q1 2026 and Q2 2026 was in Total equity capital, which fell 2.9% to $33.7M.
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 | 12.16% |
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 | $60.4M |
| Tier 1 capital | $60.4M |
| Total risk-based capital | — |
| Total equity capital | $33.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.83% |
| Tangible equity to tangible assets | 6.83% |
| Equity capital to average assets | 6.78% |
| Internal capital growth rate | -9.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $10.6M |
| Retained earnings | $47.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26.7M |
| 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 | 12.23% | 4.33% | 4.33% |
| Q4 2023 | 11.30% | 4.98% | 4.98% |
| Q1 2024 | 10.81% | 4.61% | 4.61% |
| Q2 2024 | 11.03% | 4.93% | 4.93% |
| Q3 2024 | 11.12% | 6.04% | 6.04% |
| Q4 2024 | 11.33% | 5.66% | 5.66% |
| Q1 2025 | 11.60% | 5.88% | 5.88% |
| Q2 2025 | 11.75% | 5.93% | 5.93% |
| Q3 2025 | 12.22% | 6.79% | 6.79% |
| Q4 2025 | 12.21% | 6.82% | 6.82% |
| Q1 2026 | 11.99% | 6.90% | 6.90% |
| Q2 2026 | 12.16% | 6.83% | 6.83% |
The Citizens Bank of Clovis regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Clovis, 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 The Citizens Bank of Clovis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11491) · FFIEC NIC profile (RSSD 710859)