The Citizens Bank of Georgia: 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%.
Accumulated other comprehensive income dropped 12.9% in Q2 2026, from -$4.9M to -$5.5M. It was the largest change from Q1 2026 among the key lines here. Within Georgia, The Citizens Bank of Georgia is 28th of 79 on CET1 ratio, 18.76% as of Q2 2026, above the middle of the field. The Citizens Bank of Georgia reported 18.76% on CET1 ratio for Q2 2026, 3.69 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.76% |
| Tier 1 risk-based capital ratio | 18.76% |
| Total risk-based capital ratio | 19.95% |
| Tier 1 leverage ratio | 11.49% |
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 | $71.0M |
| Tier 1 capital | $71.0M |
| Total risk-based capital | $75.5M |
| Total equity capital | $65.5M |
| Risk-weighted assets | $378.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
| Equity capital to average assets | 10.60% |
| Internal capital growth rate | 18.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.2M |
| Common stock surplus | $14.3M |
| Retained earnings | $53.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | 16.13% | 16.13% | 17.36% | 9.92% | $322.3M |
| Q4 2023 | 16.00% | 16.00% | 17.21% | 9.72% | $324.6M |
| Q1 2024 | 16.62% | 16.62% | 17.86% | 10.00% | $322.8M |
| Q2 2024 | 17.23% | 17.23% | 18.48% | 10.14% | $322.1M |
| Q3 2024 | 17.74% | 17.74% | 18.99% | 10.43% | $324.3M |
| Q4 2024 | 17.07% | 17.07% | 18.30% | 10.19% | $336.5M |
| Q1 2025 | 17.60% | 17.60% | 18.82% | 10.48% | $338.6M |
| Q2 2025 | 17.39% | 17.39% | 18.56% | 10.49% | $356.4M |
| Q3 2025 | 17.38% | 17.38% | 18.53% | 10.60% | $372.3M |
| Q4 2025 | 17.44% | 17.44% | 18.60% | 10.50% | $374.4M |
| Q1 2026 | 18.09% | 18.09% | 19.26% | 10.95% | $376.1M |
| Q2 2026 | 18.76% | 18.76% | 19.95% | 11.49% | $378.2M |
The Citizens Bank of Georgia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Georgia, 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 Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34229) · FFIEC NIC profile (RSSD 2505451)