Citizens National Bank of Cheboygan: 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 Total equity capital, which rose 3.7% to $21.5M. Citizens National Bank of Cheboygan ranks 22nd of 43 Michigan banks on CET1 ratio, in the lower half at 14.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens National Bank of Cheboygan sits 0.78 points lower, at 14.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.45% |
| Tier 1 leverage ratio | 8.49% |
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 | $39.8M |
| Tier 1 capital | $39.8M |
| Total risk-based capital | $43.0M |
| Total equity capital | $21.5M |
| Risk-weighted assets | $278.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.56% |
| Tangible equity to tangible assets | 4.56% |
| Equity capital to average assets | 4.59% |
| Internal capital growth rate | 16.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $3.0M |
| Retained earnings | $33.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.3M |
| 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 | 13.99% | 13.99% | 15.24% | 6.84% | $241.0M |
| Q4 2023 | 13.23% | 13.23% | 14.57% | 7.20% | $261.4M |
| Q1 2024 | 13.17% | 13.17% | 14.42% | 6.98% | $261.1M |
| Q2 2024 | 13.21% | 13.21% | 14.46% | 7.21% | $265.9M |
| Q3 2024 | 13.27% | 13.27% | 14.52% | 7.10% | $267.5M |
| Q4 2024 | 13.96% | 13.96% | 15.26% | 7.37% | $261.0M |
| Q1 2025 | 14.02% | 14.02% | 15.33% | 7.55% | $259.5M |
| Q2 2025 | 14.10% | 14.10% | 15.40% | 7.92% | $263.9M |
| Q3 2025 | 13.98% | 13.98% | 15.24% | 7.86% | $271.4M |
| Q4 2025 | 14.32% | 14.32% | 15.57% | 8.23% | $272.7M |
| Q1 2026 | 14.36% | 14.36% | 15.49% | 8.25% | $270.9M |
| Q2 2026 | 14.29% | 14.29% | 15.45% | 8.49% | $278.3M |
Citizens National Bank of Cheboygan regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Cheboygan, 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 Cheboygan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5018) · FFIEC NIC profile (RSSD 773742)