The Citizens Bank of Edmond: 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 standout move of Q2 2026 was in Common stock surplus: 13.8% higher than in Q1 2026, at $12.8M. On CET1 ratio, The Citizens Bank of Edmond is 6th from the bottom among 71 Oklahoma banks, 11.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Citizens Bank of Edmond sits 3.89 points lower, at 11.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.18% |
| Tier 1 risk-based capital ratio | 11.18% |
| Total risk-based capital ratio | 12.22% |
| Tier 1 leverage ratio | 8.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.8M |
| Tier 1 capital | $36.8M |
| Total risk-based capital | $40.2M |
| Total equity capital | $33.8M |
| Risk-weighted assets | $329.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.81% |
| Tangible equity to tangible assets | 7.75% |
| Equity capital to average assets | 7.79% |
| Internal capital growth rate | 13.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $980K |
| Common stock surplus | $12.8M |
| Retained earnings | $23.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | — | — | — | 9.24% | — |
| Q4 2023 | — | — | — | 9.13% | — |
| Q1 2024 | — | — | — | 9.08% | — |
| Q2 2024 | — | — | — | 9.28% | — |
| Q3 2024 | — | — | — | 9.22% | — |
| Q4 2024 | 10.90% | 10.90% | 12.02% | 8.92% | $309.8M |
| Q1 2025 | 10.95% | 10.95% | 12.07% | 8.74% | $309.0M |
| Q2 2025 | 10.53% | 10.53% | 11.59% | 8.63% | $324.4M |
| Q3 2025 | 10.95% | 10.95% | 12.05% | 8.79% | $314.1M |
| Q4 2025 | 11.29% | 11.29% | 12.40% | 8.94% | $312.6M |
| Q1 2026 | 10.74% | 10.74% | 11.82% | 8.34% | $318.4M |
| Q2 2026 | 11.18% | 11.18% | 12.22% | 8.50% | $329.1M |
The Citizens Bank of Edmond regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Edmond, 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 Edmond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4084) · FFIEC NIC profile (RSSD 172457)