Citizens National 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%.
Accumulated other comprehensive income dropped 42.7% in Q2 2026, from -$1.5M to -$2.1M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens National Bank is 87th of 184 on CET1 ratio, 17.18% 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 National Bank sits 2.11 points higher, at 17.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.18% |
| Tier 1 risk-based capital ratio | 17.18% |
| Total risk-based capital ratio | 18.43% |
| Tier 1 leverage ratio | 12.73% |
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 | $87.4M |
| Tier 1 capital | $87.4M |
| Total risk-based capital | $93.8M |
| Total equity capital | $85.3M |
| Risk-weighted assets | $508.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.33% |
| Tangible equity to tangible assets | 12.33% |
| Equity capital to average assets | 12.42% |
| Internal capital growth rate | 13.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $1.5M |
| Retained earnings | $84.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 14.24% | 14.24% | 15.50% | 10.63% | $453.9M |
| Q4 2023 | 14.33% | 14.33% | 15.58% | 10.68% | $458.2M |
| Q1 2024 | 14.67% | 14.67% | 15.93% | 10.83% | $458.3M |
| Q2 2024 | 15.03% | 15.03% | 16.29% | 11.22% | $456.9M |
| Q3 2024 | 15.79% | 15.79% | 17.04% | 11.43% | $445.5M |
| Q4 2024 | 16.35% | 16.35% | 17.61% | 11.55% | $442.7M |
| Q1 2025 | 16.47% | 16.47% | 17.72% | 11.85% | $450.8M |
| Q2 2025 | 16.91% | 16.91% | 18.16% | 12.32% | $455.9M |
| Q3 2025 | 16.21% | 16.21% | 17.46% | 12.52% | $490.1M |
| Q4 2025 | 17.07% | 17.07% | 18.32% | 12.54% | $480.5M |
| Q1 2026 | 16.51% | 16.51% | 17.76% | 12.67% | $512.6M |
| Q2 2026 | 17.18% | 17.18% | 18.43% | 12.73% | $508.8M |
Citizens National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3127) · FFIEC NIC profile (RSSD 59352)