The Citizens Bank of Edina: 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 rose 0.28 percentage points from Q1 2026 to Q2 2026, ending at 14.43% against 14.15%. It was the largest change among the key lines 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 | 14.49% |
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 | $15.2M |
| Tier 1 capital | $15.2M |
| Total risk-based capital | — |
| Total equity capital | $15.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.21% |
| Tangible equity to tangible assets | 14.21% |
| Equity capital to average assets | 14.43% |
| Internal capital growth rate | 9.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $375K |
| Common stock surplus | $400K |
| Retained earnings | $14.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$55K |
| 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 | 12.22% | 11.90% | 11.90% |
| Q4 2023 | 12.23% | 11.53% | 11.53% |
| Q1 2024 | 12.27% | 12.27% | 12.27% |
| Q2 2024 | 12.49% | 12.19% | 12.19% |
| Q3 2024 | 12.78% | 12.87% | 12.87% |
| Q4 2024 | 12.76% | 12.51% | 12.51% |
| Q1 2025 | 12.78% | 12.62% | 12.62% |
| Q2 2025 | 13.22% | 13.17% | 13.17% |
| Q3 2025 | 14.07% | 14.30% | 14.30% |
| Q4 2025 | 14.50% | 13.87% | 13.87% |
| Q1 2026 | 14.18% | 14.30% | 14.30% |
| Q2 2026 | 14.49% | 14.21% | 14.21% |
The Citizens Bank of Edina regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Edina, 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 Edina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12457) · FFIEC NIC profile (RSSD 699253)