Citizens Business Bank, N.A.: 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 Common stock: 81.7% higher than in Q1 2026, at $1.87B. Within California, Citizens Business Bank, N.A. is 43rd of 74 on CET1 ratio, 14.33% as of Q2 2026, below the middle of the field. Citizens Business Bank, N.A. reported 14.33% on CET1 ratio for Q2 2026, 1.37 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.33% |
| Tier 1 risk-based capital ratio | 14.33% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 11.41% |
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 | $2.16B |
| Tier 1 capital | $2.16B |
| Total risk-based capital | $2.25B |
| Total equity capital | $3.11B |
| Risk-weighted assets | $15.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.68% |
| Tangible equity to tangible assets | 9.47% |
| Equity capital to average assets | 15.47% |
| Internal capital growth rate | -4.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.87B |
| Common stock surplus | $237.1M |
| Retained earnings | $1.23B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$228.1M |
| 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 | 14.25% | 14.25% | 15.12% | 9.91% | $11.14B |
| Q4 2023 | 14.49% | 14.49% | 15.34% | 10.17% | $11.11B |
| Q1 2024 | 14.81% | 14.81% | 15.63% | 10.36% | $11.03B |
| Q2 2024 | 15.13% | 15.13% | 15.95% | 10.44% | $10.96B |
| Q3 2024 | 15.60% | 15.60% | 16.42% | 10.49% | $10.80B |
| Q4 2024 | 16.01% | 16.01% | 16.82% | 11.30% | $10.64B |
| Q1 2025 | 16.36% | 16.36% | 17.17% | 11.70% | $10.51B |
| Q2 2025 | 16.30% | 16.30% | 17.11% | 11.69% | $10.54B |
| Q3 2025 | 16.14% | 16.14% | 16.94% | 11.62% | $10.80B |
| Q4 2025 | 15.66% | 15.66% | 16.44% | 11.46% | $11.06B |
| Q1 2026 | 16.06% | 16.06% | 16.87% | 11.69% | $10.93B |
| Q2 2026 | 14.33% | 14.33% | 14.94% | 11.41% | $15.06B |
Citizens Business Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Business Bank, N.A., 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 Business Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21716) · FFIEC NIC profile (RSSD 933966)