Citizens National Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 12.82% +3.82 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $13.6M | 13,552 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $105.7M | 105,686 | RCOAA224 |
| Recomputed ratio | 12.82% | numerator / denominator | |
| Filed ratio | 12.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.82 pp | $4.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,960 | 1,960 | 1,960 | 1,960 | 1,960 | 1,960 | RCOAP742 |
| Retained earnings | 11,592 | 11,410 | 11,235 | 11,181 | 11,070 | 10,957 | RCOAKW00 |
| Accumulated other comprehensive income | (1,728) | (1,539) | (1,416) | (1,619) | (2,137) | (2,327) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,824 | 11,831 | 11,779 | 11,522 | 10,893 | 10,590 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,728 | 1,539 | 1,416 | 1,619 | 2,137 | 2,327 | P859 - P840 |
| Common equity Tier 1 capital | 13,552 | 13,370 | 13,195 | 13,141 | 13,030 | 12,917 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 13,552 | 13,370 | 13,195 | 13,141 | 13,030 | 12,917 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 105,686 | 104,548 | 100,965 | 95,421 | 94,493 | 96,971 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 12.82% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 12.79% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.07% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.77% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.79% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.32% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.92% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.14% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.24% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.56% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.19% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.63% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Citizens National Bank (this bank) | CBLR | NA | NA | NA | 12.82% | |
| Home Savings Bank | $108.8M | CBLR | NA | NA | NA | 15.73% |
| First Naturalstate Bank | $108.8M | Risk-based | 24.36% | 24.36% | 25.62% | 15.55% |
| The First State Bank of Healy | $108.8M | CBLR | NA | NA | NA | 16.77% |
| Anderson State Bank | $108.9M | CBLR | NA | NA | NA | 17.31% |
| The Cowboy Bank of Texas | $108.6M | CBLR | NA | NA | NA | 17.51% |
| White State Bank | $109.0M | CBLR | NA | NA | NA | 11.16% |
| Wellington Trust Company N.A. | $109.0M | Risk-based | 54.19% | 54.19% | 54.19% | 58.52% |
| Warsaw Federal Savings and Loan Association | $108.5M | Risk-based | 15.24% | 18.68% | 19.50% | 12.10% |
| Bank of Bozeman | $108.4M | Risk-based | 12.55% | 12.55% | 13.80% | 10.20% |
| Covington County Bank | $109.2M | Risk-based | 17.47% | 17.47% | 18.09% | 13.76% |
| Peer 25th percentile | 15.24% | 17.47% | 18.09% | 12.52% | ||
| Peer median | 17.47% | 18.68% | 19.50% | 15.64% | ||
| Peer 75th percentile | 24.36% | 24.36% | 25.62% | 17.18% | ||
| This bank's percentile | NA | NA | NA | 30 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/700252/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.