Citizens National Bank at Brownwood: 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 15.5% in Q2 2026, from -$2.1M to -$2.5M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.47% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $31.3M |
| Tier 1 capital | $31.3M |
| Total risk-based capital | — |
| Total equity capital | $28.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.49% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 9.65% |
| Internal capital growth rate | 3.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $560K |
| Common stock surplus | $1.5M |
| Retained earnings | $29.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.68% | 6.44% | 6.44% |
| Q4 2023 | 10.59% | 7.14% | 7.14% |
| Q1 2024 | 10.19% | 7.25% | 7.25% |
| Q2 2024 | 10.32% | 7.41% | 7.41% |
| Q3 2024 | 10.21% | 8.54% | 8.54% |
| Q4 2024 | 10.62% | 8.61% | 8.61% |
| Q1 2025 | 10.42% | 9.01% | 9.01% |
| Q2 2025 | 10.62% | 9.39% | 9.39% |
| Q3 2025 | 10.54% | 9.66% | 9.66% |
| Q4 2025 | 10.33% | 9.50% | 9.50% |
| Q1 2026 | 10.28% | 9.75% | 9.75% |
| Q2 2026 | 10.47% | 9.49% | 9.49% |
Citizens National Bank at Brownwood regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank at Brownwood, 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 at Brownwood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14779) · FFIEC NIC profile (RSSD 233358)