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%.
The standout move of Q2 2026 was in Retained earnings: 9.5% higher than in Q1 2026, at $7.0M. Within Montana, Citizens Bank & Trust Company is 9th of 21 on CET1 ratio, 14.95% as of Q2 2026, above the middle of the field. At 14.95%, Citizens Bank & Trust Company's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.95% |
| Tier 1 risk-based capital ratio | 14.95% |
| Total risk-based capital ratio | 16.21% |
| Tier 1 leverage ratio | 9.92% |
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 | $15.1M |
| Tier 1 capital | $15.1M |
| Total risk-based capital | $16.4M |
| Total equity capital | $16.4M |
| Risk-weighted assets | $101.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.58% |
| Tangible equity to tangible assets | 9.48% |
| Equity capital to average assets | 10.67% |
| Internal capital growth rate | 15.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $8.7M |
| Retained earnings | $7.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$563K |
| 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 | 15.96% | 15.96% | 17.22% | 9.47% | $82.4M |
| Q4 2023 | 17.47% | 17.47% | 18.73% | 9.44% | $77.2M |
| Q1 2024 | 16.33% | 16.33% | 17.59% | 9.41% | $80.8M |
| Q2 2024 | 16.06% | 16.06% | 17.31% | 10.09% | $84.6M |
| Q3 2024 | 15.77% | 15.77% | 17.02% | 10.27% | $88.6M |
| Q4 2024 | 16.45% | 16.45% | 17.71% | 9.55% | $86.3M |
| Q1 2025 | 15.86% | 15.86% | 17.12% | 9.57% | $87.1M |
| Q2 2025 | 16.05% | 16.05% | 17.30% | 9.62% | $89.5M |
| Q3 2025 | 16.05% | 16.05% | 17.31% | 9.81% | $93.4M |
| Q4 2025 | 16.10% | 16.10% | 17.36% | 9.29% | $93.8M |
| Q1 2026 | 14.69% | 14.69% | 15.95% | 9.28% | $98.7M |
| Q2 2026 | 14.95% | 14.95% | 16.21% | 9.92% | $101.1M |
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 1972) · FFIEC NIC profile (RSSD 657758)