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.
In Q2 2026, Retained earnings edged up by 1.7%, from $31.6M to $32.2M, the largest move among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.26% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $35.5M |
| Tier 1 capital | $35.5M |
| Total risk-based capital | — |
| Total equity capital | $33.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.57% |
| Tangible equity to tangible assets | 9.14% |
| Equity capital to average assets | 9.47% |
| Internal capital growth rate | 6.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $5.0M |
| Retained earnings | $32.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.72% | 7.33% | 6.86% |
| Q4 2023 | 9.53% | 8.07% | 7.61% |
| Q1 2024 | 9.75% | 8.22% | 7.76% |
| Q2 2024 | 9.67% | 8.21% | 7.75% |
| Q3 2024 | 9.66% | 8.77% | 8.32% |
| Q4 2024 | 9.84% | 8.63% | 8.17% |
| Q1 2025 | 10.38% | 9.38% | 8.92% |
| Q2 2025 | 10.45% | 9.30% | 8.85% |
| Q3 2025 | 10.44% | 9.82% | 9.38% |
| Q4 2025 | 10.54% | 9.75% | 9.32% |
| Q1 2026 | 10.25% | 9.47% | 9.04% |
| Q2 2026 | 10.26% | 9.57% | 9.14% |
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 13032) · FFIEC NIC profile (RSSD 716954)