Citizens Savings 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which fell 0.56 percentage points to 9.90%.
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 | 9.90% |
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 | $8.0M |
| Tier 1 capital | $8.0M |
| Total risk-based capital | — |
| Total equity capital | $8.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.24% |
| Tangible equity to tangible assets | 10.24% |
| Equity capital to average assets | 9.90% |
| Internal capital growth rate | 5.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $195K |
| Common stock surplus | $2.1M |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 14.03% | 14.03% | 14.95% | 9.20% | $49.0M |
| Q4 2023 | 14.68% | 14.68% | 15.64% | 9.27% | $47.4M |
| Q1 2024 | 14.55% | 14.55% | 15.47% | 9.82% | $48.8M |
| Q2 2024 | 13.43% | 13.43% | 14.32% | 9.34% | $51.3M |
| Q3 2024 | 13.84% | 13.84% | 14.73% | 9.57% | $50.7M |
| Q4 2024 | 13.64% | 13.64% | 14.53% | 9.46% | $51.4M |
| Q1 2025 | 14.19% | 14.19% | 15.08% | 9.37% | $50.4M |
| Q2 2025 | 14.53% | 14.53% | 15.41% | 9.52% | $51.3M |
| Q3 2025 | 14.62% | 14.62% | 15.48% | 9.76% | $52.2M |
| Q4 2025 | 15.01% | 15.01% | 15.89% | 9.98% | $51.5M |
| Q1 2026 | 14.49% | 14.49% | 15.33% | 10.46% | $54.3M |
| Q2 2026 | — | — | — | 9.90% | — |
Citizens Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14785) · FFIEC NIC profile (RSSD 474544)