The Citizens Bank: 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%.
Risk-weighted assets climbed 24.0% in Q2 2026, from $61.1M to $75.7M. It was the largest change from Q1 2026 among the key lines here. Among 36 Alabama banks, The Citizens Bank sits 3rd from the top on CET1 ratio, 21.00% as of Q2 2026. The Citizens Bank reported 21.00% on CET1 ratio for Q2 2026, 5.93 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.00% |
| Tier 1 risk-based capital ratio | 21.00% |
| Total risk-based capital ratio | 21.83% |
| Tier 1 leverage ratio | 12.22% |
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 | $15.9M |
| Tier 1 capital | $15.9M |
| Total risk-based capital | $16.5M |
| Total equity capital | $12.4M |
| Risk-weighted assets | $75.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.61% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 11.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $35K |
| Common stock surplus | $515K |
| Retained earnings | $15.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| 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 | 26.37% | 26.37% | 27.37% | 13.67% | $56.3M |
| Q4 2023 | 25.38% | 25.38% | 26.36% | 12.93% | $56.4M |
| Q1 2024 | 25.54% | 25.54% | 26.50% | 12.84% | $57.5M |
| Q2 2024 | 25.21% | 25.21% | 26.17% | 13.06% | $59.5M |
| Q3 2024 | 26.18% | 26.18% | 27.14% | 13.02% | $58.7M |
| Q4 2024 | 24.39% | 24.39% | 25.35% | 11.97% | $60.4M |
| Q1 2025 | 24.93% | 24.93% | 25.90% | 12.19% | $60.3M |
| Q2 2025 | 25.78% | 25.78% | 26.84% | 12.15% | $59.1M |
| Q3 2025 | 26.15% | 26.15% | 27.19% | 12.33% | $60.2M |
| Q4 2025 | 24.56% | 24.56% | 25.58% | 11.80% | $61.8M |
| Q1 2026 | 25.45% | 25.45% | 26.49% | 11.94% | $61.1M |
| Q2 2026 | 21.00% | 21.00% | 21.83% | 12.22% | $75.7M |
The Citizens Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22358) · FFIEC NIC profile (RSSD 571135)