Citizens National Bank of Texas: 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 Retained earnings, which rose 2.8% to $215.3M. Citizens National Bank of Texas ranks 145th of 184 Texas banks on CET1 ratio, in the lower half at 13.55% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Citizens National Bank of Texas reported 13.55% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.75% |
| Tier 1 leverage ratio | 12.20% |
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 | $259.1M |
| Tier 1 capital | $259.1M |
| Total risk-based capital | $282.1M |
| Total equity capital | $263.0M |
| Risk-weighted assets | $1.91B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.01% |
| Tangible equity to tangible assets | 11.86% |
| Equity capital to average assets | 12.36% |
| Internal capital growth rate | 9.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $46.7M |
| Retained earnings | $215.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10K |
| 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 | 14.42% | 14.42% | 15.49% | 11.03% | $1.39B |
| Q4 2023 | 14.32% | 14.32% | 15.38% | 12.18% | $1.44B |
| Q1 2024 | 13.94% | 13.94% | 15.02% | 12.47% | $1.49B |
| Q2 2024 | 13.84% | 13.84% | 14.93% | 11.47% | $1.52B |
| Q3 2024 | 13.41% | 13.41% | 14.48% | 11.04% | $1.58B |
| Q4 2024 | 13.56% | 13.56% | 14.65% | 11.33% | $1.61B |
| Q1 2025 | 13.52% | 13.52% | 14.69% | 11.64% | $1.65B |
| Q2 2025 | 13.68% | 13.68% | 14.76% | 12.18% | $1.71B |
| Q3 2025 | 13.71% | 13.71% | 14.89% | 11.76% | $1.72B |
| Q4 2025 | 13.91% | 13.91% | 15.10% | 12.33% | $1.81B |
| Q1 2026 | 13.42% | 13.42% | 14.62% | 12.18% | $1.89B |
| Q2 2026 | 13.55% | 13.55% | 14.75% | 12.20% | $1.91B |
Citizens National Bank of Texas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Texas, 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5574) · FFIEC NIC profile (RSSD 552161)