Citizens First 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital rose 3.7% from Q1 2026 to Q2 2026, ending at $23.6M against $22.8M. It was the largest change among the key lines on this page. Citizens First Bank has the 1st lowest CET1 ratio of the 114 banks headquartered in Iowa, at 9.97% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Citizens First Bank sits 5.11 points lower, at 9.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.97% |
| Tier 1 risk-based capital ratio | 9.97% |
| Total risk-based capital ratio | 11.09% |
| Tier 1 leverage ratio | 8.24% |
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 | $30.5M |
| Tier 1 capital | $30.5M |
| Total risk-based capital | $33.9M |
| Total equity capital | $23.6M |
| Risk-weighted assets | $305.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.54% |
| Tangible equity to tangible assets | 6.54% |
| Equity capital to average assets | 6.38% |
| Internal capital growth rate | 4.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $592K |
| Common stock surplus | $10.4M |
| Retained earnings | $19.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | 10.44% | 10.44% | 11.69% | 8.05% | $247.0M |
| Q4 2023 | 10.33% | 10.33% | 11.51% | 7.96% | $250.2M |
| Q1 2024 | 10.41% | 10.41% | 11.61% | 8.07% | $252.1M |
| Q2 2024 | 10.69% | 10.69% | 11.92% | 8.03% | $248.0M |
| Q3 2024 | 10.50% | 10.50% | 11.72% | 8.35% | $253.8M |
| Q4 2024 | 10.58% | 10.58% | 11.82% | 8.39% | $257.9M |
| Q1 2025 | 10.02% | 10.02% | 11.27% | 7.81% | $260.7M |
| Q2 2025 | 10.00% | 10.00% | 11.18% | 8.04% | $274.2M |
| Q3 2025 | 9.99% | 9.99% | 11.19% | 8.02% | $281.9M |
| Q4 2025 | 9.96% | 9.96% | 11.09% | 8.22% | $295.0M |
| Q1 2026 | 9.87% | 9.87% | 10.93% | 8.32% | $306.5M |
| Q2 2026 | 9.97% | 9.97% | 11.09% | 8.24% | $305.7M |
Citizens First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35477) · FFIEC NIC profile (RSSD 2882983)