The Citizens Bank of Philadelphia: 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 Retained earnings: 14.2% higher than in Q1 2026, at $21.6M. On CET1 ratio, The Citizens Bank of Philadelphia is 3rd from the bottom among 20 Mississippi banks, 12.38% (Q2 2026). The Citizens Bank of Philadelphia reported 12.38% on CET1 ratio for Q2 2026, 1.10 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.38% |
| Tier 1 risk-based capital ratio | 12.38% |
| Total risk-based capital ratio | 13.36% |
| Tier 1 leverage ratio | 9.11% |
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 | $138.4M |
| Tier 1 capital | $138.4M |
| Total risk-based capital | $149.3M |
| Total equity capital | $86.9M |
| Risk-weighted assets | $1.12B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.58% |
| Tangible equity to tangible assets | 4.78% |
| Equity capital to average assets | 5.67% |
| Internal capital growth rate | 13.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $129.8M |
| Retained earnings | $21.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$64.6M |
| 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 | 15.16% | 15.16% | 15.95% | 9.08% | $827.8M |
| Q4 2023 | 13.80% | 13.80% | 14.55% | 8.64% | $897.2M |
| Q1 2024 | 13.72% | 13.72% | 14.52% | 8.37% | $902.8M |
| Q2 2024 | 13.28% | 13.28% | 14.07% | 8.20% | $934.7M |
| Q3 2024 | 12.92% | 12.92% | 13.70% | 8.24% | $952.3M |
| Q4 2024 | 12.24% | 12.24% | 13.00% | 8.33% | $1.01B |
| Q1 2025 | 11.99% | 11.99% | 12.80% | 8.16% | $1.04B |
| Q2 2025 | 12.00% | 12.00% | 12.85% | 8.25% | $1.05B |
| Q3 2025 | 12.08% | 12.08% | 12.97% | 8.30% | $1.05B |
| Q4 2025 | 12.12% | 12.12% | 13.06% | 8.45% | $1.06B |
| Q1 2026 | 12.44% | 12.44% | 13.41% | 8.97% | $1.08B |
| Q2 2026 | 12.38% | 12.38% | 13.36% | 9.11% | $1.12B |
The Citizens Bank of Philadelphia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Philadelphia, 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 Philadelphia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12204) · FFIEC NIC profile (RSSD 29636)