The Citizens National Bank: 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 standout move of Q2 2026 was in Retained earnings: 23.9% lower than in Q1 2026, at $12.7M. Within Kansas, The Citizens National Bank is 32nd of 85 on CET1 ratio, 15.88% 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 sits 0.80 points higher, at 15.88% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.88% |
| Tier 1 risk-based capital ratio | 15.88% |
| Total risk-based capital ratio | 17.13% |
| Tier 1 leverage ratio | 8.66% |
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 | $20.7M |
| Tier 1 capital | $20.7M |
| Total risk-based capital | $22.3M |
| Total equity capital | $13.3M |
| Risk-weighted assets | $130.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.80% |
| Tangible equity to tangible assets | 5.80% |
| Equity capital to average assets | 5.55% |
| Internal capital growth rate | -93.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $6.8M |
| Retained earnings | $12.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.4M |
| 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 | 22.41% | 22.41% | 23.66% | 10.55% | $103.5M |
| Q4 2023 | 22.40% | 22.40% | 23.66% | 10.65% | $103.2M |
| Q1 2024 | 22.95% | 22.95% | 24.20% | 10.25% | $101.9M |
| Q2 2024 | 22.08% | 22.08% | 23.33% | 10.35% | $105.9M |
| Q3 2024 | 22.01% | 22.01% | 23.26% | 10.68% | $107.3M |
| Q4 2024 | 20.67% | 20.67% | 21.93% | 10.65% | $114.1M |
| Q1 2025 | 19.37% | 19.37% | 20.62% | 10.51% | $123.8M |
| Q2 2025 | 20.73% | 20.73% | 21.98% | 10.54% | $116.1M |
| Q3 2025 | 20.11% | 20.11% | 21.36% | 10.71% | $121.7M |
| Q4 2025 | 18.79% | 18.79% | 20.04% | 10.65% | $130.7M |
| Q1 2026 | 18.93% | 18.93% | 20.18% | 10.48% | $130.5M |
| Q2 2026 | 15.88% | 15.88% | 17.13% | 8.66% | $130.4M |
The Citizens National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4678) · FFIEC NIC profile (RSSD 991555)