Citizens Bank of Cumberland County, Inc.: 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%.
Retained earnings climbed 14.0% in Q2 2026, from $3.8M to $4.3M. 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 | 12.25% |
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 | $11.8M |
| Tier 1 capital | $11.8M |
| Total risk-based capital | — |
| Total equity capital | $11.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.24% |
| Tangible equity to tangible assets | 12.24% |
| Equity capital to average assets | 12.03% |
| Internal capital growth rate | 19.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $5.3M |
| Retained earnings | $4.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$212K |
| 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 | 12.64% | 11.44% | 11.44% |
| Q4 2023 | 11.78% | 10.66% | 10.66% |
| Q1 2024 | 12.34% | 11.60% | 11.60% |
| Q2 2024 | 12.26% | 11.19% | 11.19% |
| Q3 2024 | 12.85% | 12.37% | 12.37% |
| Q4 2024 | 11.81% | 11.22% | 11.22% |
| Q1 2025 | 11.77% | 11.21% | 11.21% |
| Q2 2025 | 12.13% | 11.74% | 11.74% |
| Q3 2025 | 12.44% | 12.17% | 12.17% |
| Q4 2025 | 11.56% | 11.50% | 11.50% |
| Q1 2026 | 11.73% | 11.70% | 11.70% |
| Q2 2026 | 12.25% | 12.24% | 12.24% |
Citizens Bank of Cumberland County, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Cumberland County, Inc., 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 Cumberland County, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35442) · FFIEC NIC profile (RSSD 2921622)