Citizens Bank & Trust Company: 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 2.9% from Q1 2026 to Q2 2026, ending at -$5.8M against -$5.7M. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.78% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $66.4M |
| Tier 1 capital | $66.4M |
| Total risk-based capital | — |
| Total equity capital | $61.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.78% |
| Tangible equity to tangible assets | 10.71% |
| Equity capital to average assets | 10.83% |
| Internal capital growth rate | -5.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $2.1M |
| Retained earnings | $64.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.95% | 9.74% | 9.65% |
| Q4 2023 | 11.71% | 10.03% | 9.95% |
| Q1 2024 | 11.97% | 10.25% | 10.17% |
| Q2 2024 | 11.62% | 9.95% | 9.87% |
| Q3 2024 | 11.93% | 10.94% | 10.86% |
| Q4 2024 | 11.74% | 10.26% | 10.18% |
| Q1 2025 | 12.02% | 10.74% | 10.66% |
| Q2 2025 | 11.76% | 10.61% | 10.53% |
| Q3 2025 | 12.27% | 11.34% | 11.26% |
| Q4 2025 | 11.83% | 11.00% | 10.93% |
| Q1 2026 | 11.99% | 11.02% | 10.94% |
| Q2 2026 | 11.78% | 10.78% | 10.71% |
Citizens Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8738) · FFIEC NIC profile (RSSD 192147)