Citizens Bank & Trust Company of Ardmore: 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 5.4% from Q1 2026 to Q2 2026, ending at -$4.5M against -$4.3M. It was the largest change among the key lines on this page. Within Oklahoma, Citizens Bank & Trust Company of Ardmore is 26th of 71 on CET1 ratio, 16.44% as of Q2 2026, above the middle of the field. Citizens Bank & Trust Company of Ardmore reported 16.44% on CET1 ratio for Q2 2026, 1.37 points above 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 | 16.44% |
| Tier 1 risk-based capital ratio | 16.44% |
| Total risk-based capital ratio | 17.43% |
| Tier 1 leverage ratio | 10.60% |
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 | $34.8M |
| Tier 1 capital | $34.8M |
| Total risk-based capital | $36.9M |
| Total equity capital | $30.3M |
| Risk-weighted assets | $211.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.51% |
| Tangible equity to tangible assets | 9.51% |
| Equity capital to average assets | 9.24% |
| Internal capital growth rate | 13.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $6.6M |
| Retained earnings | $26.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| 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 | 13.51% | 13.51% | 14.40% | 8.20% | $192.6M |
| Q4 2023 | 13.34% | 13.34% | 14.26% | 8.07% | $195.8M |
| Q1 2024 | 13.16% | 13.16% | 14.09% | 8.18% | $202.6M |
| Q2 2024 | 13.92% | 13.92% | 14.90% | 8.44% | $199.7M |
| Q3 2024 | 14.70% | 14.70% | 15.70% | 8.99% | $199.0M |
| Q4 2024 | 15.83% | 15.83% | 16.85% | 9.59% | $196.5M |
| Q1 2025 | 15.71% | 15.71% | 16.70% | 9.88% | $202.2M |
| Q2 2025 | 16.10% | 16.10% | 17.09% | 10.02% | $203.8M |
| Q3 2025 | 16.70% | 16.70% | 17.71% | 10.42% | $202.2M |
| Q4 2025 | 16.08% | 16.08% | 17.09% | 10.19% | $205.1M |
| Q1 2026 | 16.32% | 16.32% | 17.33% | 10.38% | $207.2M |
| Q2 2026 | 16.44% | 16.44% | 17.43% | 10.60% | $211.7M |
Citizens Bank & Trust Company of Ardmore regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Company of Ardmore, 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 of Ardmore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22717) · FFIEC NIC profile (RSSD 255556)