Citizens Federal Savings & Loan Association: 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 climbed 11.2% in Q2 2026, from -$1.1M to -$984K. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Citizens Federal Savings & Loan Association is 16th of 84 on CET1 ratio, 20.15% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens Federal Savings & Loan Association sits 5.08 points higher, at 20.15% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.15% |
| Tier 1 risk-based capital ratio | 20.15% |
| Total risk-based capital ratio | 20.45% |
| Tier 1 leverage ratio | 10.90% |
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 | $20.6M |
| Total equity capital | $19.3M |
| Risk-weighted assets | $100.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.39% |
| Tangible equity to tangible assets | 10.39% |
| Equity capital to average assets | 10.37% |
| Internal capital growth rate | 5.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $20.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$984K |
| 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 | 21.10% | 21.10% | 21.43% | 10.89% | $91.2M |
| Q4 2023 | 21.07% | 21.07% | 21.40% | 10.89% | $91.2M |
| Q1 2024 | 20.75% | 20.75% | 21.07% | 10.83% | $92.3M |
| Q2 2024 | 20.54% | 20.54% | 20.87% | 10.68% | $93.1M |
| Q3 2024 | 20.21% | 20.21% | 20.52% | 10.58% | $94.5M |
| Q4 2024 | 20.12% | 20.12% | 20.43% | 10.55% | $95.3M |
| Q1 2025 | 20.18% | 20.18% | 20.49% | 10.43% | $95.6M |
| Q2 2025 | 20.13% | 20.13% | 20.44% | 10.58% | $96.7M |
| Q3 2025 | 20.46% | 20.46% | 20.78% | 10.71% | $96.1M |
| Q4 2025 | 20.22% | 20.22% | 20.52% | 10.85% | $98.4M |
| Q1 2026 | 20.08% | 20.08% | 20.38% | 10.80% | $99.9M |
| Q2 2026 | 20.15% | 20.15% | 20.45% | 10.90% | $100.9M |
Citizens Federal Savings & Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Federal Savings & Loan Association, 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 Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28060) · FFIEC NIC profile (RSSD 647777)