Citizens Independent 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%.
Retained earnings climbed 20.8% in Q2 2026, from $1.9M to $2.3M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Citizens Independent Bank is 40th of 161 on CET1 ratio, 17.44% 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 Independent Bank sits 2.37 points higher, at 17.44% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.44% |
| Tier 1 risk-based capital ratio | 17.44% |
| Total risk-based capital ratio | 18.29% |
| Tier 1 leverage ratio | 12.31% |
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 | $38.6M |
| Tier 1 capital | $38.6M |
| Total risk-based capital | $40.5M |
| Total equity capital | $31.2M |
| Risk-weighted assets | $221.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 9.96% |
| Internal capital growth rate | 5.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $35.6M |
| Retained earnings | $2.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.4M |
| 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 | 16.10% | 16.10% | 17.36% | 11.20% | $242.6M |
| Q4 2023 | 16.44% | 16.44% | 17.69% | 11.58% | $239.4M |
| Q1 2024 | 16.07% | 16.07% | 17.32% | 11.28% | $239.7M |
| Q2 2024 | 16.56% | 16.56% | 17.81% | 11.48% | $234.5M |
| Q3 2024 | 16.65% | 16.65% | 17.90% | 11.71% | $236.2M |
| Q4 2024 | 17.34% | 17.34% | 18.59% | 12.13% | $231.1M |
| Q1 2025 | 16.35% | 16.35% | 17.59% | 11.82% | $235.3M |
| Q2 2025 | 16.74% | 16.74% | 18.00% | 11.67% | $226.0M |
| Q3 2025 | 17.30% | 17.30% | 18.56% | 11.96% | $221.2M |
| Q4 2025 | 17.60% | 17.60% | 18.86% | 12.20% | $217.4M |
| Q1 2026 | 17.43% | 17.43% | 18.28% | 12.13% | $219.0M |
| Q2 2026 | 17.44% | 17.44% | 18.29% | 12.31% | $221.2M |
Citizens Independent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16863) · FFIEC NIC profile (RSSD 825753)