The Citizens National Bank of McConnelsville: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.58 percentage points in Q2 2026 to 11.28%, the biggest move 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 | 12.24% |
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 | $13.0M |
| Tier 1 capital | $13.0M |
| Total risk-based capital | — |
| Total equity capital | $11.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
| Equity capital to average assets | 10.88% |
| Internal capital growth rate | 9.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.2M |
| Retained earnings | $10.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 10.17% | 7.83% | 7.83% |
| Q4 2023 | 10.41% | 8.75% | 8.75% |
| Q1 2024 | 10.62% | 8.72% | 8.72% |
| Q2 2024 | 10.75% | 8.93% | 8.93% |
| Q3 2024 | 10.50% | 9.03% | 9.03% |
| Q4 2024 | 10.57% | 8.80% | 8.80% |
| Q1 2025 | 10.94% | 9.46% | 9.46% |
| Q2 2025 | 11.25% | 9.79% | 9.79% |
| Q3 2025 | 11.21% | 10.11% | 10.11% |
| Q4 2025 | 11.45% | 10.37% | 10.37% |
| Q1 2026 | 12.03% | 10.70% | 10.70% |
| Q2 2026 | 12.24% | 11.28% | 11.28% |
The Citizens National Bank of McConnelsville 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 McConnelsville, 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 McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6638) · FFIEC NIC profile (RSSD 685023)