Citizens Community Bank: 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 largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 3.3% to $14.7M. Citizens Community Bank ranks 64th of 79 Georgia banks on CET1 ratio, in the lower half at 13.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens Community Bank sits 1.50 points lower, at 13.57% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.57% |
| Tier 1 risk-based capital ratio | 13.57% |
| Total risk-based capital ratio | 14.75% |
| Tier 1 leverage ratio | 8.94% |
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 | $20.3M |
| Tier 1 capital | $20.3M |
| Total risk-based capital | $22.1M |
| Total equity capital | $14.7M |
| Risk-weighted assets | $149.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.62% |
| Tangible equity to tangible assets | 6.62% |
| Equity capital to average assets | 6.47% |
| Internal capital growth rate | 11.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $62K |
| Common stock surplus | $6.8M |
| Retained earnings | $13.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.6M |
| 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 | 18.38% | 18.38% | 19.43% | 10.94% | $117.5M |
| Q4 2023 | 18.23% | 18.23% | 19.21% | 10.98% | $120.2M |
| Q1 2024 | 18.78% | 18.78% | 19.77% | 11.21% | $118.3M |
| Q2 2024 | 19.02% | 19.02% | 20.07% | 11.57% | $118.7M |
| Q3 2024 | 19.07% | 19.07% | 20.17% | 11.65% | $119.1M |
| Q4 2024 | 17.81% | 17.81% | 18.87% | 11.40% | $128.8M |
| Q1 2025 | 17.59% | 17.59% | 18.71% | 10.92% | $131.1M |
| Q2 2025 | 17.12% | 17.12% | 18.25% | 10.99% | $136.9M |
| Q3 2025 | 17.25% | 17.25% | 18.42% | 11.20% | $138.5M |
| Q4 2025 | 13.10% | 13.10% | 14.22% | 9.01% | $147.6M |
| Q1 2026 | 13.40% | 13.40% | 14.55% | 8.99% | $148.5M |
| Q2 2026 | 13.57% | 13.57% | 14.75% | 8.94% | $149.7M |
Citizens Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12079) · FFIEC NIC profile (RSSD 564838)