Citizens Bank of Kansas: 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 Total equity capital: 10.8% higher than in Q1 2026, at $33.8M. Within Kansas, Citizens Bank of Kansas is 40th of 85 on CET1 ratio, 15.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Citizens Bank of Kansas reported 15.01% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.01% |
| Tier 1 risk-based capital ratio | 15.01% |
| Total risk-based capital ratio | 15.82% |
| Tier 1 leverage ratio | 8.53% |
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 | $47.9M |
| Tier 1 capital | $47.9M |
| Total risk-based capital | $50.5M |
| Total equity capital | $33.8M |
| Risk-weighted assets | $319.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.16% |
| Tangible equity to tangible assets | 3.71% |
| Equity capital to average assets | 5.87% |
| Internal capital growth rate | 6.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $31.8M |
| Retained earnings | $29.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$28.1M |
| 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 | 13.55% | 13.55% | 14.40% | 8.50% | $316.1M |
| Q4 2023 | 13.89% | 13.89% | 14.74% | 8.56% | $312.1M |
| Q1 2024 | 14.23% | 14.23% | 15.08% | 8.53% | $309.3M |
| Q2 2024 | 14.41% | 14.41% | 15.27% | 8.54% | $307.5M |
| Q3 2024 | 14.66% | 14.66% | 15.53% | 8.69% | $303.9M |
| Q4 2024 | 14.28% | 14.28% | 15.11% | 8.77% | $315.0M |
| Q1 2025 | 14.47% | 14.47% | 15.30% | 8.59% | $313.9M |
| Q2 2025 | 14.49% | 14.49% | 15.31% | 8.69% | $318.5M |
| Q3 2025 | 15.05% | 15.05% | 15.89% | 8.86% | $310.7M |
| Q4 2025 | 14.93% | 14.93% | 15.75% | 8.84% | $314.9M |
| Q1 2026 | 15.20% | 15.20% | 16.04% | 8.61% | $311.7M |
| Q2 2026 | 15.01% | 15.01% | 15.82% | 8.53% | $319.2M |
Citizens Bank of Kansas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Kansas, 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 Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4707) · FFIEC NIC profile (RSSD 1014853)