Citizens Bank of Morgantown, 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%.
In Q2 2026, Equity capital to average assets edged up by 0.22 percentage points, from 17.62% to 17.84%, the largest move 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 | 18.79% |
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 | $9.7M |
| Tier 1 capital | $9.7M |
| Total risk-based capital | — |
| Total equity capital | $9.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.58% |
| Tangible equity to tangible assets | 17.58% |
| Equity capital to average assets | 17.84% |
| Internal capital growth rate | 6.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $1.1M |
| Retained earnings | $8.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$490K |
| 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 | 16.11% | 13.61% | 13.61% |
| Q4 2023 | 16.94% | 15.11% | 15.11% |
| Q1 2024 | 17.46% | 15.23% | 15.23% |
| Q2 2024 | 17.58% | 15.21% | 15.21% |
| Q3 2024 | 17.70% | 15.74% | 15.74% |
| Q4 2024 | 17.78% | 15.98% | 15.98% |
| Q1 2025 | 18.14% | 16.00% | 16.00% |
| Q2 2025 | 17.99% | 16.31% | 16.31% |
| Q3 2025 | 17.94% | 16.41% | 16.41% |
| Q4 2025 | 18.42% | 17.51% | 17.51% |
| Q1 2026 | 18.61% | 17.49% | 17.49% |
| Q2 2026 | 18.79% | 17.58% | 17.58% |
Citizens Bank of Morgantown, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Morgantown, 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 Morgantown, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22954) · FFIEC NIC profile (RSSD 897237)