The Citizens Bank of Winfield: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 17.51% +8.51 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $58.5M | 58,500 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $334.1M | 334,146 | RCOAA224 |
| Recomputed ratio | 17.51% | numerator / denominator | |
| Filed ratio | 17.51% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +8.51 pp | $28.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 600 | 600 | 600 | 600 | 600 | 600 | RCOAP742 |
| Retained earnings | 58,046 | 57,769 | 57,436 | 57,074 | 56,655 | 56,286 | RCOAKW00 |
| Accumulated other comprehensive income | (29,283) | (31,546) | (30,528) | (31,782) | (35,048) | (33,176) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 29,363 | 26,823 | 27,508 | 25,892 | 22,207 | 23,710 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 29,137 | 30,773 | 29,740 | 30,761 | 35,048 | 33,176 | P859 - P840 |
| Common equity Tier 1 capital | 58,500 | 57,596 | 57,248 | 56,653 | 57,255 | 56,886 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 58,500 | 57,596 | 57,248 | 56,653 | 57,255 | 56,886 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 334,146 | 329,561 | 323,619 | 314,799 | 310,688 | 310,112 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 17.51% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 17.48% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 17.69% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 18.00% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 18.43% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 18.34% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 16.44% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 16.58% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 16.39% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 16.04% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 15.53% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 16.09% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The Citizens Bank of Winfield (this bank) | CBLR | NA | NA | NA | 17.51% | |
| Freedom Bank | $301.2M | CBLR | NA | NA | NA | 12.15% |
| Collins State Bank | $301.2M | Risk-based | 10.33% | 10.33% | 11.07% | 8.73% |
| Llano National Bank | $301.1M | CBLR | NA | NA | NA | 13.11% |
| DLP Bank | $301.4M | CBLR | NA | NA | NA | 15.32% |
| Monterey County Bank | $300.4M | CBLR | NA | NA | NA | 8.38% |
| West Union Bank | $300.3M | Risk-based | 13.99% | 13.99% | 15.08% | 8.73% |
| Flanagan State Bank | $300.3M | Risk-based | 12.80% | 12.80% | 13.60% | 9.59% |
| Hometown Bank of Corbin Inc. | $302.3M | Risk-based | 12.47% | 12.47% | 13.22% | 8.78% |
| Bank of Franklin | $302.3M | CBLR | NA | NA | NA | 9.88% |
| Peer 25th percentile | 11.94% | 11.94% | 12.68% | 8.73% | ||
| Peer median | 12.63% | 12.63% | 13.41% | 9.59% | ||
| Peer 75th percentile | 13.09% | 13.09% | 13.97% | 12.15% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/293437/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.