Citizens Guaranty 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%.
Risk-weighted assets rose 3.5% from Q1 2026 to Q2 2026, ending at $230.6M against $222.8M. It was the largest change among the key lines on this page. On CET1 ratio, Citizens Guaranty Bank is 4th from the bottom among 69 Kentucky banks, 11.22% (Q2 2026). Citizens Guaranty Bank reported 11.22% on CET1 ratio for Q2 2026, 3.86 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.22% |
| Tier 1 risk-based capital ratio | 11.22% |
| Total risk-based capital ratio | 12.47% |
| Tier 1 leverage ratio | 8.65% |
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 | $25.9M |
| Tier 1 capital | $25.9M |
| Total risk-based capital | $28.7M |
| Total equity capital | $25.6M |
| Risk-weighted assets | $230.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.45% |
| Tangible equity to tangible assets | 8.45% |
| Equity capital to average assets | 8.57% |
| Internal capital growth rate | -9.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $5.7M |
| Retained earnings | $19.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$216K |
| 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 | 10.16% | 10.16% | 11.41% | 7.23% | $203.7M |
| Q4 2023 | 10.25% | 10.25% | 11.50% | 7.64% | $206.9M |
| Q1 2024 | 10.28% | 10.28% | 11.53% | 7.69% | $208.8M |
| Q2 2024 | 10.40% | 10.40% | 11.66% | 7.58% | $207.5M |
| Q3 2024 | 10.56% | 10.56% | 11.82% | 7.75% | $208.5M |
| Q4 2024 | 10.78% | 10.78% | 12.04% | 8.00% | $212.4M |
| Q1 2025 | 10.94% | 10.94% | 12.19% | 8.22% | $216.5M |
| Q2 2025 | 11.03% | 11.03% | 12.28% | 8.12% | $213.2M |
| Q3 2025 | 11.18% | 11.18% | 12.43% | 8.29% | $216.4M |
| Q4 2025 | 11.36% | 11.36% | 12.61% | 8.62% | $222.6M |
| Q1 2026 | 11.87% | 11.87% | 13.13% | 8.89% | $222.8M |
| Q2 2026 | 11.22% | 11.22% | 12.47% | 8.65% | $230.6M |
Citizens Guaranty Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Guaranty 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 Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20872) · FFIEC NIC profile (RSSD 764816)