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 biggest quarter-over-quarter change on this page was a small one: Total risk-based capital ratio edged down 0.49 percentage points between Q1 2026 and Q2 2026, to 30.21%. Citizens Savings Bank ranks 9th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 29.63% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Citizens Savings Bank reported 29.63% on CET1 ratio in Q2 2026, 14.56 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.63% |
| Tier 1 risk-based capital ratio | 29.63% |
| Total risk-based capital ratio | 30.21% |
| Tier 1 leverage ratio | 15.12% |
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 | $54.3M |
| Tier 1 capital | $54.3M |
| Total risk-based capital | $55.4M |
| Total equity capital | $53.8M |
| Risk-weighted assets | $183.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.98% |
| Tangible equity to tangible assets | 14.98% |
| Equity capital to average assets | 14.97% |
| Internal capital growth rate | 2.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $54.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$560K |
| 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 | 30.09% | 30.09% | 30.72% | 14.44% | $183.3M |
| Q4 2023 | 30.01% | 30.01% | 30.63% | 14.58% | $184.1M |
| Q1 2024 | 29.23% | 29.23% | 29.87% | 14.07% | $178.8M |
| Q2 2024 | 29.05% | 29.05% | 29.71% | 14.72% | $180.2M |
| Q3 2024 | 29.32% | 29.32% | 29.98% | 14.63% | $178.7M |
| Q4 2024 | 29.46% | 29.46% | 30.08% | 14.67% | $180.0M |
| Q1 2025 | 29.78% | 29.78% | 30.38% | 14.88% | $178.3M |
| Q2 2025 | 30.06% | 30.06% | 30.65% | 15.15% | $178.2M |
| Q3 2025 | 30.33% | 30.33% | 30.92% | 15.11% | $177.0M |
| Q4 2025 | 30.39% | 30.39% | 30.98% | 15.29% | $177.4M |
| Q1 2026 | 30.11% | 30.11% | 30.70% | 15.09% | $179.5M |
| Q2 2026 | 29.63% | 29.63% | 30.21% | 15.12% | $183.4M |
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 31184) · FFIEC NIC profile (RSSD 828473)