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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 2.7% in Q2 2026 to -$2.9M, the biggest move on this page. The Citizens Bank ranks 29th of 69 Kentucky banks on CET1 ratio, in the upper half at 16.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Citizens Bank sits 0.97 points higher, at 16.04% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.04% |
| Tier 1 risk-based capital ratio | 16.04% |
| Total risk-based capital ratio | 17.27% |
| Tier 1 leverage ratio | 8.72% |
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 | $20.1M |
| Tier 1 capital | $20.1M |
| Total risk-based capital | $21.6M |
| Total equity capital | $19.0M |
| Risk-weighted assets | $125.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.30% |
| Tangible equity to tangible assets | 7.58% |
| Equity capital to average assets | 8.19% |
| Internal capital growth rate | -0.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $4.3M |
| Retained earnings | $17.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 14.05% | 14.05% | 15.21% | 7.41% | $105.5M |
| Q4 2023 | 14.04% | 14.04% | 15.20% | 7.66% | $107.9M |
| Q1 2024 | 14.67% | 14.67% | 15.85% | 8.18% | $107.5M |
| Q2 2024 | 14.28% | 14.28% | 15.42% | 7.95% | $112.0M |
| Q3 2024 | 14.47% | 14.47% | 15.61% | 8.24% | $114.7M |
| Q4 2024 | 14.19% | 14.19% | 15.34% | 8.05% | $116.0M |
| Q1 2025 | 14.96% | 14.96% | 16.15% | 8.27% | $116.2M |
| Q2 2025 | 14.75% | 14.75% | 15.96% | 7.88% | $119.4M |
| Q3 2025 | 15.20% | 15.20% | 16.38% | 8.11% | $120.5M |
| Q4 2025 | 15.53% | 15.53% | 16.75% | 8.07% | $121.2M |
| Q1 2026 | 16.35% | 16.35% | 17.58% | 8.87% | $122.8M |
| Q2 2026 | 16.04% | 16.04% | 17.27% | 8.72% | $125.1M |
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 10520) · FFIEC NIC profile (RSSD 962313)