Citizens Bank & Trust Co., Hutchinson, MINN.: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.7% to $10.6M. Within Minnesota, Citizens Bank & Trust Co., Hutchinson, MINN. is 81st of 161 on CET1 ratio, 13.96% as of Q2 2026, below the middle of the field. Citizens Bank & Trust Co., Hutchinson, MINN. reported 13.96% on CET1 ratio for Q2 2026, 1.11 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.96% |
| Tier 1 risk-based capital ratio | 13.96% |
| Total risk-based capital ratio | 15.07% |
| Tier 1 leverage ratio | 8.63% |
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 | $27.9M |
| Tier 1 capital | $27.9M |
| Total risk-based capital | $30.1M |
| Total equity capital | $16.4M |
| Risk-weighted assets | $199.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.98% |
| Tangible equity to tangible assets | 4.98% |
| Equity capital to average assets | 5.07% |
| Internal capital growth rate | 9.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $14.2M |
| Retained earnings | $10.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.5M |
| 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 | 12.49% | 12.49% | 13.69% | 7.28% | $196.8M |
| Q4 2023 | 12.83% | 12.83% | 14.07% | 7.21% | $195.0M |
| Q1 2024 | 12.93% | 12.93% | 14.18% | 7.56% | $194.7M |
| Q2 2024 | 12.80% | 12.80% | 13.91% | 7.68% | $198.0M |
| Q3 2024 | 12.78% | 12.78% | 13.89% | 7.67% | $199.3M |
| Q4 2024 | 13.10% | 13.10% | 14.21% | 7.66% | $197.6M |
| Q1 2025 | 13.43% | 13.43% | 14.56% | 7.94% | $195.6M |
| Q2 2025 | 13.44% | 13.44% | 14.57% | 7.99% | $198.8M |
| Q3 2025 | 14.01% | 14.01% | 15.18% | 8.12% | $192.8M |
| Q4 2025 | 13.75% | 13.75% | 14.92% | 8.07% | $197.7M |
| Q1 2026 | 14.22% | 14.22% | 15.41% | 8.48% | $193.5M |
| Q2 2026 | 13.96% | 13.96% | 15.07% | 8.63% | $199.8M |
Citizens Bank & Trust Co., Hutchinson, MINN. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Co., Hutchinson, MINN., 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 Co., Hutchinson, MINN. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10218) · FFIEC NIC profile (RSSD 56258)