Citizens Bank & Trust Co. of Jackson: 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, Retained earnings rose 5.6% in Q2 2026 to $10.3M, the biggest move on this page. Citizens Bank & Trust Co. of Jackson ranks 40th of 69 Kentucky banks on CET1 ratio, in the lower half at 14.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens Bank & Trust Co. of Jackson sits 0.72 points lower, at 14.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 9.71% |
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 | $20.9M |
| Tier 1 capital | $20.9M |
| Total risk-based capital | $22.7M |
| Total equity capital | $22.9M |
| Risk-weighted assets | $145.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.54% |
| Tangible equity to tangible assets | 9.63% |
| Equity capital to average assets | 10.53% |
| Internal capital growth rate | 9.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $310K |
| Common stock surplus | $12.5M |
| Retained earnings | $10.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$167K |
| 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 | 13.05% | 13.05% | 14.30% | 9.38% | $137.4M |
| Q4 2023 | 13.33% | 13.33% | 14.58% | 9.07% | $136.3M |
| Q1 2024 | 13.51% | 13.51% | 14.77% | 9.28% | $138.8M |
| Q2 2024 | 12.86% | 12.86% | 14.11% | 8.83% | $139.8M |
| Q3 2024 | 13.28% | 13.28% | 14.53% | 9.27% | $140.1M |
| Q4 2024 | 13.22% | 13.22% | 14.47% | 9.38% | $145.3M |
| Q1 2025 | 13.48% | 13.48% | 14.74% | 9.30% | $143.2M |
| Q2 2025 | 13.29% | 13.29% | 14.55% | 9.30% | $146.3M |
| Q3 2025 | 14.81% | 14.81% | 16.06% | 9.85% | $141.1M |
| Q4 2025 | 14.78% | 14.78% | 16.03% | 10.08% | $142.9M |
| Q1 2026 | 13.71% | 13.71% | 14.96% | 9.53% | $148.4M |
| Q2 2026 | 14.35% | 14.35% | 15.60% | 9.71% | $145.5M |
Citizens Bank & Trust Co. of Jackson regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Co. of Jackson, 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. of Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18620) · FFIEC NIC profile (RSSD 765318)