The Citizens National Bank of Quitman: 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 average assets, which rose 0.60 percentage points to 10.63%. Within Georgia, The Citizens National Bank of Quitman is 33rd of 79 on CET1 ratio, 17.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Citizens National Bank of Quitman sits 2.87 points higher, at 17.94% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.94% |
| Tier 1 risk-based capital ratio | 17.94% |
| Total risk-based capital ratio | 19.20% |
| Tier 1 leverage ratio | 11.56% |
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 | $15.6M |
| Tier 1 capital | $15.6M |
| Total risk-based capital | $16.7M |
| Total equity capital | $14.3M |
| Risk-weighted assets | $86.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.72% |
| Tangible equity to tangible assets | 10.72% |
| Equity capital to average assets | 10.63% |
| Internal capital growth rate | 15.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $2.7M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 21.98% | 21.98% | 23.24% | 13.61% | $75.0M |
| Q4 2023 | 18.93% | 18.93% | 20.19% | 12.12% | $76.1M |
| Q1 2024 | 20.16% | 20.16% | 21.42% | 12.33% | $73.8M |
| Q2 2024 | 19.26% | 19.26% | 20.52% | 12.33% | $77.0M |
| Q3 2024 | 18.77% | 18.77% | 20.03% | 12.20% | $81.3M |
| Q4 2024 | 18.28% | 18.28% | 19.54% | 11.48% | $80.8M |
| Q1 2025 | 20.15% | 20.15% | 21.41% | 11.56% | $75.6M |
| Q2 2025 | 19.68% | 19.68% | 20.93% | 11.92% | $79.9M |
| Q3 2025 | 19.72% | 19.72% | 20.98% | 12.36% | $82.0M |
| Q4 2025 | 22.03% | 22.03% | 23.29% | 12.60% | $76.1M |
| Q1 2026 | 17.61% | 17.61% | 18.86% | 10.89% | $85.4M |
| Q2 2026 | 17.94% | 17.94% | 19.20% | 11.56% | $86.9M |
The Citizens National Bank of Quitman 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 Quitman, 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 Quitman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14731) · FFIEC NIC profile (RSSD 774235)