The Citizens National Bank of Bluffton: 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 rose 7.3% from Q1 2026 to Q2 2026, ending at -$16.1M against -$17.4M. It was the largest change among the key lines on this page.
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 | 11.02% |
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 | $121.7M |
| Tier 1 capital | $121.7M |
| Total risk-based capital | — |
| Total equity capital | $105.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.57% |
| Tangible equity to tangible assets | 9.57% |
| Equity capital to average assets | 9.56% |
| Internal capital growth rate | -12.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $350K |
| Retained earnings | $121.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.87% | 8.38% | 8.38% |
| Q4 2023 | 11.34% | 9.63% | 9.63% |
| Q1 2024 | 11.34% | 9.38% | 9.38% |
| Q2 2024 | 10.91% | 9.02% | 9.02% |
| Q3 2024 | 10.91% | 9.43% | 9.43% |
| Q4 2024 | 11.21% | 9.19% | 9.19% |
| Q1 2025 | 11.37% | 9.70% | 9.70% |
| Q2 2025 | 11.13% | 9.21% | 9.21% |
| Q3 2025 | 11.19% | 9.84% | 9.84% |
| Q4 2025 | 11.43% | 10.07% | 10.07% |
| Q1 2026 | 11.44% | 9.99% | 9.99% |
| Q2 2026 | 11.02% | 9.57% | 9.57% |
The Citizens National Bank of Bluffton regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Bluffton, 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 The Citizens National Bank of Bluffton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6531) · FFIEC NIC profile (RSSD 738013)