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%.
Accumulated other comprehensive income fell 4.8% from Q1 2026 to Q2 2026, ending at -$35.5M against -$33.9M. It was the largest change among the key lines on this page. Within New Mexico, The Citizens Bank is 12th of 20 on CET1 ratio, 17.62% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Citizens Bank sits 2.55 points higher, at 17.62% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.62% |
| Tier 1 risk-based capital ratio | 17.62% |
| Total risk-based capital ratio | 18.63% |
| Tier 1 leverage ratio | 9.11% |
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 | $76.3M |
| Tier 1 capital | $76.3M |
| Total risk-based capital | $80.6M |
| Total equity capital | $40.8M |
| Risk-weighted assets | $432.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.07% |
| Tangible equity to tangible assets | 5.07% |
| Equity capital to average assets | 4.87% |
| Internal capital growth rate | 5.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $20.8M |
| Retained earnings | $55.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.5M |
| 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 | 21.40% | 21.40% | 22.50% | 9.23% | $370.9M |
| Q4 2023 | 20.16% | 20.16% | 21.24% | 8.96% | $375.6M |
| Q1 2024 | 19.13% | 19.13% | 20.13% | 8.78% | $397.7M |
| Q2 2024 | 19.78% | 19.78% | 20.81% | 8.93% | $388.2M |
| Q3 2024 | 19.45% | 19.45% | 20.48% | 8.85% | $396.3M |
| Q4 2024 | 17.52% | 17.52% | 18.57% | 8.54% | $416.2M |
| Q1 2025 | 18.11% | 18.11% | 19.17% | 9.10% | $414.3M |
| Q2 2025 | 17.93% | 17.93% | 18.98% | 9.19% | $419.0M |
| Q3 2025 | 17.99% | 17.99% | 19.08% | 9.22% | $419.0M |
| Q4 2025 | 18.55% | 18.55% | 19.66% | 9.36% | $410.5M |
| Q1 2026 | 17.38% | 17.38% | 18.39% | 9.34% | $435.7M |
| Q2 2026 | 17.62% | 17.62% | 18.63% | 9.11% | $432.8M |
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 1164) · FFIEC NIC profile (RSSD 961259)