The Citizens National Bank of Somerset: 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, Risk-weighted assets rose 2.6% in Q2 2026 to $446.8M, the biggest move on this page. Within Kentucky, The Citizens National Bank of Somerset is 36th of 69 on CET1 ratio, 14.73% as of Q2 2026, below the middle of the field. At 14.73%, The Citizens National Bank of Somerset's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.73% |
| Tier 1 risk-based capital ratio | 14.73% |
| Total risk-based capital ratio | 15.98% |
| Tier 1 leverage ratio | 9.02% |
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 | $65.8M |
| Tier 1 capital | $65.8M |
| Total risk-based capital | $71.4M |
| Total equity capital | $41.1M |
| Risk-weighted assets | $446.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.86% |
| Tangible equity to tangible assets | 5.86% |
| Equity capital to average assets | 5.63% |
| Internal capital growth rate | 11.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $790K |
| Common stock surplus | $2.0M |
| Retained earnings | $63.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.7M |
| 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 | 14.66% | 14.66% | 15.91% | 8.89% | $381.9M |
| Q4 2023 | 15.34% | 15.34% | 16.59% | 8.56% | $370.7M |
| Q1 2024 | 15.22% | 15.22% | 16.47% | 8.58% | $373.3M |
| Q2 2024 | 15.20% | 15.20% | 16.45% | 8.87% | $378.1M |
| Q3 2024 | 16.29% | 16.29% | 17.54% | 8.66% | $352.3M |
| Q4 2024 | 15.53% | 15.53% | 16.78% | 8.62% | $378.9M |
| Q1 2025 | 15.79% | 15.79% | 17.04% | 8.71% | $378.4M |
| Q2 2025 | 15.00% | 15.00% | 16.25% | 8.70% | $406.4M |
| Q3 2025 | 14.90% | 14.90% | 16.15% | 8.44% | $413.4M |
| Q4 2025 | 14.82% | 14.82% | 16.07% | 8.67% | $426.4M |
| Q1 2026 | 14.84% | 14.84% | 16.09% | 8.87% | $435.5M |
| Q2 2026 | 14.73% | 14.73% | 15.98% | 9.02% | $446.8M |
The Citizens National Bank of Somerset 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 Somerset, 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 Somerset profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2725) · FFIEC NIC profile (RSSD 410917)