The Citizens Bank of Winfield: 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: 9.5% higher than in Q1 2026, at $29.4M.
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 | 17.51% |
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 | $58.5M |
| Tier 1 capital | $58.5M |
| Total risk-based capital | — |
| Total equity capital | $29.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.75% |
| Tangible equity to tangible assets | 9.75% |
| Equity capital to average assets | 8.78% |
| Internal capital growth rate | 4.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3K |
| Common stock surplus | $597K |
| Retained earnings | $58.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 16.09% | 4.12% | 4.12% |
| Q4 2023 | 15.53% | 7.61% | 7.61% |
| Q1 2024 | 16.04% | 7.51% | 7.51% |
| Q2 2024 | 16.39% | 7.80% | 7.80% |
| Q3 2024 | 16.58% | 9.65% | 9.65% |
| Q4 2024 | 16.44% | 8.01% | 8.01% |
| Q1 2025 | 18.34% | 8.74% | 8.74% |
| Q2 2025 | 18.43% | 8.18% | 8.18% |
| Q3 2025 | 18.00% | 9.20% | 9.20% |
| Q4 2025 | 17.69% | 9.34% | 9.34% |
| Q1 2026 | 17.48% | 9.14% | 9.14% |
| Q2 2026 | 17.51% | 9.75% | 9.75% |
The Citizens Bank of Winfield regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Winfield, 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 Winfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 52) · FFIEC NIC profile (RSSD 293437)