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%.
Compared with Q1 2026, Equity capital to total assets rose 0.58 percentage points in Q2 2026 to 7.79%, the biggest move on this page. Citizens Savings Bank ranks 18th of 114 Iowa banks on CET1 ratio, in the upper half at 17.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens Savings Bank sits 2.50 points higher, at 17.57% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.57% |
| Tier 1 risk-based capital ratio | 17.57% |
| Total risk-based capital ratio | 18.36% |
| Tier 1 leverage ratio | 9.50% |
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 | $16.0M |
| Tier 1 capital | $16.0M |
| Total risk-based capital | $16.7M |
| Total equity capital | $12.9M |
| Risk-weighted assets | $91.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.79% |
| Tangible equity to tangible assets | 7.79% |
| Equity capital to average assets | 7.67% |
| Internal capital growth rate | 5.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $2.9M |
| Retained earnings | $12.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| 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 | 18.54% | 18.54% | 19.38% | 9.74% | $80.5M |
| Q4 2023 | 19.87% | 19.87% | 20.77% | 9.92% | $75.4M |
| Q1 2024 | 19.20% | 19.20% | 20.07% | 9.91% | $78.5M |
| Q2 2024 | 19.51% | 19.51% | 20.39% | 9.96% | $77.7M |
| Q3 2024 | 18.59% | 18.59% | 19.43% | 10.22% | $82.1M |
| Q4 2024 | 17.83% | 17.83% | 18.63% | 9.45% | $86.1M |
| Q1 2025 | 17.78% | 17.78% | 18.57% | 9.38% | $87.0M |
| Q2 2025 | 17.89% | 17.89% | 18.68% | 9.61% | $86.9M |
| Q3 2025 | 16.30% | 16.30% | 17.03% | 9.83% | $96.2M |
| Q4 2025 | 17.09% | 17.09% | 17.86% | 9.59% | $92.1M |
| Q1 2026 | 17.33% | 17.33% | 18.12% | 9.66% | $91.5M |
| Q2 2026 | 17.57% | 17.57% | 18.36% | 9.50% | $91.2M |
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 10125) · FFIEC NIC profile (RSSD 758842)