Citizens Bank & Trust: 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 3.5% from Q1 2026 to Q2 2026, ending at -$30.5M against -$29.5M. It was the largest change among the key lines on this page. Citizens Bank & Trust ranks 17th of 36 Alabama banks on CET1 ratio, in the upper half at 14.67% (Q2 2026). Citizens Bank & Trust reported 14.67% on CET1 ratio for Q2 2026, 1.19 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.67% |
| Tier 1 risk-based capital ratio | 14.67% |
| Total risk-based capital ratio | 15.64% |
| Tier 1 leverage ratio | 8.93% |
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 | $105.0M |
| Tier 1 capital | $105.0M |
| Total risk-based capital | $112.0M |
| Total equity capital | $75.7M |
| Risk-weighted assets | $715.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.30% |
| Tangible equity to tangible assets | 6.30% |
| Equity capital to average assets | 6.43% |
| Internal capital growth rate | 5.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $11K |
| Common stock surplus | $52.0M |
| Retained earnings | $54.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$30.5M |
| 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 | 14.00% | 14.00% | 15.14% | 9.39% | $695.4M |
| Q4 2023 | 13.63% | 13.63% | 14.73% | 9.40% | $707.9M |
| Q1 2024 | 13.69% | 13.69% | 14.77% | 9.14% | $716.8M |
| Q2 2024 | 14.22% | 14.22% | 15.32% | 9.30% | $692.8M |
| Q3 2024 | 14.43% | 14.43% | 15.52% | 9.35% | $686.1M |
| Q4 2024 | 14.26% | 14.26% | 15.34% | 9.53% | $690.1M |
| Q1 2025 | 14.46% | 14.46% | 15.53% | 9.63% | $687.0M |
| Q2 2025 | 14.46% | 14.46% | 15.53% | 9.24% | $697.2M |
| Q3 2025 | 14.66% | 14.66% | 15.69% | 9.42% | $697.0M |
| Q4 2025 | 14.25% | 14.25% | 15.21% | 9.28% | $717.3M |
| Q1 2026 | 14.87% | 14.87% | 15.85% | 9.25% | $698.9M |
| Q2 2026 | 14.67% | 14.67% | 15.64% | 8.93% | $715.6M |
Citizens Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust, 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 Citizens Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57483) · FFIEC NIC profile (RSSD 3174920)