Citizens Community Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.56% +2.56 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $16.6M | 16,650 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $144.0M | 143,986 | RCOAA224 |
| Recomputed ratio | 11.56% | numerator / denominator | |
| Filed ratio | 11.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.56 pp | $3.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 2,476 | 2,476 | 2,476 | 2,476 | 2,476 | 2,476 | RCOAP742 |
| Retained earnings | 14,126 | 13,919 | 13,641 | 13,401 | 13,163 | 12,953 | RCOAKW00 |
| Accumulated other comprehensive income | (179) | (171) | (34) | (150) | (301) | (476) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,423 | 16,224 | 16,083 | 15,727 | 15,338 | 14,953 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 227 | 217 | 42 | 150 | 301 | 476 | P859 - P840 |
| Common equity Tier 1 capital | 16,650 | 16,441 | 16,125 | 15,877 | 15,639 | 15,429 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 16,650 | 16,441 | 16,125 | 15,877 | 15,639 | 15,429 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 143,986 | 141,986 | 137,917 | 137,260 | 137,559 | 133,700 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.56% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.58% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.69% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.57% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.37% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.54% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.91% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 11.92% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.04% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.04% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.56% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.47% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Citizens Community Bank (this bank) | CBLR | NA | NA | NA | 11.56% | |
| Bank of Winona | $142.7M | Risk-based | 34.20% | 34.20% | 35.45% | 13.12% |
| Settlers Bank | $142.4M | CBLR | NA | NA | NA | 16.19% |
| Bank of Cadiz and Trust Company | $142.9M | Risk-based | 15.30% | 15.30% | 16.12% | 9.07% |
| Farmers and Merchants State Bank | $143.1M | CBLR | NA | NA | NA | 15.70% |
| Four States Bank | $142.1M | CBLR | NA | NA | NA | 15.85% |
| River Falls State Bank | $143.2M | CBLR | NA | NA | NA | 11.40% |
| Marion State Bank | $142.0M | CBLR | NA | NA | NA | 14.65% |
| National Bank of St. Anne | $143.2M | Risk-based | 11.25% | 11.25% | 12.39% | 9.44% |
| Peer 25th percentile | 13.27% | 13.27% | 14.26% | 10.91% | ||
| Peer median | 15.30% | 15.30% | 16.12% | 13.89% | ||
| Peer 75th percentile | 24.75% | 24.75% | 25.78% | 15.74% | ||
| This bank's percentile | NA | NA | NA | 38 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/578554/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.