Citizens Bank & Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 12.50% +3.50 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $13.8M | 13,797 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $110.4M | 110,414 | RCOAA224 |
| Recomputed ratio | 12.50% | numerator / denominator | |
| Filed ratio | 12.50% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.50 pp | $3.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,520 | 1,520 | 1,520 | 1,520 | 1,520 | 1,520 | RCOAP742 |
| Retained earnings | 12,327 | 12,191 | 11,975 | 11,703 | 11,642 | 11,415 | RCOAKW00 |
| Accumulated other comprehensive income | (1,884) | (1,975) | (1,598) | (1,849) | (2,253) | (2,687) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,963 | 11,736 | 11,897 | 11,374 | 10,909 | 10,248 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,834 | 1,925 | 1,548 | 1,799 | 2,203 | 2,637 | P859 - P840 |
| Common equity Tier 1 capital | 13,797 | 13,661 | 13,445 | 13,173 | 13,112 | 12,885 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 13,797 | 13,661 | 13,445 | 13,173 | 13,112 | 12,885 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 110,414 | 116,680 | 105,933 | 103,372 | 107,251 | 112,587 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 12.50% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.71% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.69% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.74% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.23% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.44% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.46% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.13% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.26% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.31% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.00% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.90% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Citizens Bank & Trust (this bank) | CBLR | NA | NA | NA | 12.50% | |
| Platte Valley Bank | $107.2M | CBLR | NA | NA | NA | 13.87% |
| First Capital Bank | $107.3M | Risk-based | 13.71% | 13.71% | 14.97% | 9.57% |
| Produce State Bank | $107.2M | CBLR | NA | NA | NA | 10.33% |
| Liberty Bank of New Jersey | $107.4M | CBLR | NA | NA | NA | 50.46% |
| Community Unity Bank | $107.1M | Risk-based | 23.04% | 23.04% | 24.23% | 19.54% |
| Prairie Sun Bank | $107.0M | CBLR | NA | NA | NA | 9.85% |
| The Sherwood State Bank | $107.5M | CBLR | NA | NA | NA | 12.32% |
| The Citizens Bank of Edina | $106.7M | CBLR | NA | NA | NA | 14.49% |
| The Bank of Magnolia Company | $107.8M | Risk-based | 23.18% | 23.18% | 24.43% | 12.96% |
| Gainey Business Bank | $106.6M | Risk-based | 14.67% | 14.67% | 15.92% | 12.89% |
| Peer 25th percentile | 14.43% | 14.43% | 15.68% | 10.83% | ||
| Peer median | 18.85% | 18.85% | 20.07% | 12.92% | ||
| Peer 75th percentile | 23.08% | 23.08% | 24.28% | 14.33% | ||
| This bank's percentile | NA | NA | NA | 40 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/964250/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.