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 Accumulated other comprehensive income: 9.6% higher than in Q1 2026, at -$3.2M.
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 | 13.12% |
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 | $50.2M |
| Tier 1 capital | $50.2M |
| Total risk-based capital | — |
| Total equity capital | $47.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.27% |
| Tangible equity to tangible assets | 12.27% |
| Equity capital to average assets | 12.28% |
| Internal capital growth rate | 4.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $210K |
| Common stock surplus | $39.8M |
| Retained earnings | $10.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| 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 | 14.17% | 10.96% | 10.96% |
| Q4 2023 | 14.06% | 11.79% | 11.79% |
| Q1 2024 | 13.74% | 11.73% | 11.73% |
| Q2 2024 | 13.78% | 11.84% | 11.84% |
| Q3 2024 | 14.10% | 12.77% | 12.77% |
| Q4 2024 | 13.87% | 11.99% | 11.99% |
| Q1 2025 | 14.10% | 12.38% | 12.38% |
| Q2 2025 | 13.69% | 11.77% | 11.77% |
| Q3 2025 | 13.34% | 12.44% | 12.44% |
| Q4 2025 | 13.00% | 12.23% | 12.23% |
| Q1 2026 | 13.26% | 12.10% | 12.10% |
| Q2 2026 | 13.12% | 12.27% | 12.27% |
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 15675) · FFIEC NIC profile (RSSD 829041)