The Citizens National Bank of Park Rapids: 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 Equity capital to total assets, which fell 0.60 percentage points to 11.43%.
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 | 11.70% |
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 | $46.0M |
| Tier 1 capital | $46.0M |
| Total risk-based capital | — |
| Total equity capital | $45.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.43% |
| Tangible equity to tangible assets | 11.41% |
| Equity capital to average assets | 11.52% |
| Internal capital growth rate | -2.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $120K |
| Common stock surplus | $230K |
| Retained earnings | $45.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$735K |
| 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 | 10.91% | 10.13% | 10.13% |
| Q4 2023 | 11.25% | 10.91% | 10.91% |
| Q1 2024 | 11.87% | 11.34% | 11.34% |
| Q2 2024 | 11.44% | 10.91% | 10.91% |
| Q3 2024 | 11.53% | 11.37% | 11.37% |
| Q4 2024 | 11.67% | 11.54% | 11.54% |
| Q1 2025 | 12.07% | 11.93% | 11.93% |
| Q2 2025 | 11.56% | 10.93% | 10.91% |
| Q3 2025 | 11.65% | 11.61% | 11.60% |
| Q4 2025 | 11.84% | 12.06% | 12.04% |
| Q1 2026 | 12.28% | 12.02% | 12.01% |
| Q2 2026 | 11.70% | 11.43% | 11.41% |
The Citizens National Bank of Park Rapids 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 Park Rapids, 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 Park Rapids profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5223) · FFIEC NIC profile (RSSD 877752)