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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 3.7% to -$26.8M. Within Tennessee, Citizens National Bank is 23rd of 71 on CET1 ratio, 15.08% as of Q2 2026, above the middle of the field. Citizens National Bank reported 15.08% on CET1 ratio for Q2 2026, 1.60 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.08% |
| Tier 1 risk-based capital ratio | 15.08% |
| Total risk-based capital ratio | 16.27% |
| Tier 1 leverage ratio | 11.17% |
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 | $219.0M |
| Tier 1 capital | $219.0M |
| Total risk-based capital | $236.2M |
| Total equity capital | $192.2M |
| Risk-weighted assets | $1.45B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.81% |
| Tangible equity to tangible assets | 9.81% |
| Equity capital to average assets | 9.80% |
| Internal capital growth rate | 13.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $700K |
| Common stock surplus | $25.6M |
| Retained earnings | $192.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26.8M |
| 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 | 13.18% | 13.18% | 14.22% | 10.15% | $1.32B |
| Q4 2023 | 13.57% | 13.57% | 14.63% | 10.11% | $1.32B |
| Q1 2024 | 13.46% | 13.46% | 14.53% | 10.02% | $1.34B |
| Q2 2024 | 13.52% | 13.52% | 14.59% | 10.44% | $1.35B |
| Q3 2024 | 13.92% | 13.92% | 15.00% | 10.23% | $1.35B |
| Q4 2024 | 13.77% | 13.77% | 14.80% | 10.03% | $1.40B |
| Q1 2025 | 13.92% | 13.92% | 14.98% | 10.11% | $1.40B |
| Q2 2025 | 14.20% | 14.20% | 15.28% | 10.52% | $1.41B |
| Q3 2025 | 14.31% | 14.31% | 15.43% | 10.58% | $1.43B |
| Q4 2025 | 15.07% | 15.07% | 16.22% | 10.84% | $1.41B |
| Q1 2026 | 14.84% | 14.84% | 16.02% | 10.78% | $1.43B |
| Q2 2026 | 15.08% | 15.08% | 16.27% | 11.17% | $1.45B |
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 20954) · FFIEC NIC profile (RSSD 717737)