Citizens National Bank of Albion: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 23.5% lower than in Q1 2026, at -$1.5M. Among 198 Illinois banks, Citizens National Bank of Albion sits 18th from the top on CET1 ratio, 25.45% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, Citizens National Bank of Albion reported 25.45% on CET1 ratio in Q2 2026, 10.38 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.45% |
| Tier 1 risk-based capital ratio | 25.45% |
| Total risk-based capital ratio | 26.70% |
| Tier 1 leverage ratio | 17.35% |
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 | $61.4M |
| Tier 1 capital | $61.4M |
| Total risk-based capital | $64.4M |
| Total equity capital | $60.4M |
| Risk-weighted assets | $241.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.34% |
| Tangible equity to tangible assets | 17.21% |
| Equity capital to average assets | 17.06% |
| Internal capital growth rate | 5.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $800K |
| Retained earnings | $60.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 24.34% | 24.34% | 25.59% | 16.94% | $235.9M |
| Q4 2023 | 23.04% | 23.04% | 24.29% | 16.38% | $244.7M |
| Q1 2024 | 23.87% | 23.87% | 25.12% | 16.54% | $239.4M |
| Q2 2024 | 23.73% | 23.73% | 24.99% | 16.66% | $242.7M |
| Q3 2024 | 23.96% | 23.96% | 25.21% | 16.91% | $244.2M |
| Q4 2024 | 23.50% | 23.50% | 24.75% | 16.17% | $245.6M |
| Q1 2025 | 24.87% | 24.87% | 26.12% | 16.79% | $236.3M |
| Q2 2025 | 24.72% | 24.72% | 25.97% | 16.90% | $239.7M |
| Q3 2025 | 24.91% | 24.91% | 26.16% | 17.17% | $242.6M |
| Q4 2025 | 24.63% | 24.63% | 25.88% | 16.71% | $240.9M |
| Q1 2026 | 25.05% | 25.05% | 26.30% | 17.23% | $242.0M |
| Q2 2026 | 25.45% | 25.45% | 26.70% | 17.35% | $241.2M |
Citizens National Bank of Albion regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Albion, 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 of Albion profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15760) · FFIEC NIC profile (RSSD 853747)