Citizens Bank of West Virginia, 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%.
Accumulated other comprehensive income fell 7.4% from Q1 2026 to Q2 2026, ending at -$2.3M against -$2.1M. It was the largest change among the key lines on this page.
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 | 10.00% |
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 | $76.2M |
| Tier 1 capital | $76.2M |
| Total risk-based capital | — |
| Total equity capital | $79.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.22% |
| Tangible equity to tangible assets | 9.54% |
| Equity capital to average assets | 10.29% |
| Internal capital growth rate | 16.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $18.1M |
| Retained earnings | $61.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 10.87% | 10.87% | 11.66% | 9.72% | $546.2M |
| Q4 2023 | 10.46% | 10.46% | 11.28% | 9.34% | $563.7M |
| Q1 2024 | 10.47% | 10.47% | 11.33% | 9.14% | $576.9M |
| Q2 2024 | 10.55% | 10.55% | 11.42% | 9.13% | $587.2M |
| Q3 2024 | 10.76% | 10.76% | 11.63% | 9.28% | $591.2M |
| Q4 2024 | 10.83% | 10.83% | 11.72% | 9.35% | $591.7M |
| Q1 2025 | 11.41% | 11.41% | 12.29% | 9.81% | $580.1M |
| Q2 2025 | 11.67% | 11.67% | 12.60% | 10.13% | $586.6M |
| Q3 2025 | 11.77% | 11.77% | 12.69% | 10.48% | $600.2M |
| Q4 2025 | 11.65% | 11.65% | 12.60% | 10.33% | $611.7M |
| Q1 2026 | 11.74% | 11.74% | 12.70% | 10.32% | $621.0M |
| Q2 2026 | — | — | — | 10.00% | — |
Citizens Bank of West Virginia, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of West Virginia, 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 West Virginia, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6760) · FFIEC NIC profile (RSSD 481627)