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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 15.4% lower than in Q1 2026, at -$8.6M. The Citizens Bank ranks 13th of 30 South Carolina banks on CET1 ratio, in the upper half at 17.33% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Citizens Bank sits 3.85 points higher, at 17.33% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.33% |
| Tier 1 risk-based capital ratio | 17.33% |
| Total risk-based capital ratio | 18.58% |
| Tier 1 leverage ratio | 9.91% |
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 | $111.9M |
| Tier 1 capital | $111.9M |
| Total risk-based capital | $120.0M |
| Total equity capital | $122.1M |
| Risk-weighted assets | $645.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.73% |
| Tangible equity to tangible assets | 9.23% |
| Equity capital to average assets | 10.64% |
| Internal capital growth rate | 12.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $39.2M |
| Retained earnings | $89.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.6M |
| 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 | 15.00% | 15.00% | 16.25% | 8.91% | $556.9M |
| Q4 2023 | 14.89% | 14.89% | 16.11% | 9.37% | $580.4M |
| Q1 2024 | 15.98% | 15.98% | 17.23% | 9.63% | $558.2M |
| Q2 2024 | 15.69% | 15.69% | 16.88% | 9.86% | $591.2M |
| Q3 2024 | 16.00% | 16.00% | 17.17% | 9.84% | $598.3M |
| Q4 2024 | 15.80% | 15.80% | 16.94% | 9.53% | $606.2M |
| Q1 2025 | 16.57% | 16.57% | 17.79% | 9.61% | $594.9M |
| Q2 2025 | 16.58% | 16.58% | 17.82% | 10.09% | $615.7M |
| Q3 2025 | 17.44% | 17.44% | 18.69% | 10.35% | $605.4M |
| Q4 2025 | 16.19% | 16.19% | 17.44% | 9.72% | $649.5M |
| Q1 2026 | 16.96% | 16.96% | 18.21% | 9.71% | $641.2M |
| Q2 2026 | 17.33% | 17.33% | 18.58% | 9.91% | $645.5M |
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 15932) · FFIEC NIC profile (RSSD 898627)