Citizens Progressive 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to average assets rose 0.58 percentage points in Q2 2026 to 12.81%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.31% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $27.0M |
| Tier 1 capital | $27.0M |
| Total risk-based capital | — |
| Total equity capital | $31.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.84% |
| Tangible equity to tangible assets | 11.18% |
| Equity capital to average assets | 12.81% |
| Internal capital growth rate | 3.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.5M |
| Common stock surplus | $15.5M |
| Retained earnings | $8.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$357K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.50% | 12.84% | 11.32% |
| Q4 2023 | 10.13% | 11.33% | 9.80% |
| Q1 2024 | 9.80% | 11.29% | 9.78% |
| Q2 2024 | 9.69% | 10.19% | 8.81% |
| Q3 2024 | 9.50% | 10.43% | 9.05% |
| Q4 2024 | 8.99% | 10.56% | 9.11% |
| Q1 2025 | 9.30% | 10.73% | 9.27% |
| Q2 2025 | 9.60% | 11.01% | 9.52% |
| Q3 2025 | 10.06% | 11.50% | 9.99% |
| Q4 2025 | 10.12% | 11.99% | 10.39% |
| Q1 2026 | 10.84% | 12.31% | 10.69% |
| Q2 2026 | 11.31% | 12.84% | 11.18% |
Citizens Progressive Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Progressive 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 Citizens Progressive Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10531) · FFIEC NIC profile (RSSD 732253)