The Citizens National Bank of Woodsfield: 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 Accumulated other comprehensive income, which fell 6.9% to -$2.1M. Within Ohio, The Citizens National Bank of Woodsfield is 10th of 84 on CET1 ratio, 23.30% as of Q2 2026, above the middle of the field. The Citizens National Bank of Woodsfield's CET1 ratio of 23.30% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 8.23 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.30% |
| Tier 1 risk-based capital ratio | 23.30% |
| Total risk-based capital ratio | 23.98% |
| Tier 1 leverage ratio | 8.88% |
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 | $13.9M |
| Tier 1 capital | $13.9M |
| Total risk-based capital | $14.3M |
| Total equity capital | $11.7M |
| Risk-weighted assets | $59.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.62% |
| Tangible equity to tangible assets | 7.62% |
| Equity capital to average assets | 7.51% |
| Internal capital growth rate | 10.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $2.4M |
| Retained earnings | $9.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 20.53% | 20.53% | 21.18% | 7.76% | $59.0M |
| Q4 2023 | 20.78% | 20.78% | 21.44% | 7.83% | $58.0M |
| Q1 2024 | 20.87% | 20.87% | 21.55% | 8.21% | $58.6M |
| Q2 2024 | 21.84% | 21.84% | 22.54% | 8.33% | $57.1M |
| Q3 2024 | 22.73% | 22.73% | 23.45% | 8.47% | $55.6M |
| Q4 2024 | 22.45% | 22.45% | 23.16% | 8.61% | $55.8M |
| Q1 2025 | 23.07% | 23.07% | 23.79% | 8.85% | $55.2M |
| Q2 2025 | 23.54% | 23.54% | 24.25% | 8.62% | $55.6M |
| Q3 2025 | 23.94% | 23.94% | 24.67% | 8.91% | $55.5M |
| Q4 2025 | 22.22% | 22.22% | 22.90% | 8.71% | $59.5M |
| Q1 2026 | 22.77% | 22.77% | 23.45% | 8.63% | $59.5M |
| Q2 2026 | 23.30% | 23.30% | 23.98% | 8.88% | $59.5M |
The Citizens National Bank of Woodsfield 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 Woodsfield, 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 Woodsfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6732) · FFIEC NIC profile (RSSD 386825)