Citizens Savings Bank and Trust Company: 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%.
In Q2 2026, Equity capital to total assets edged down by 0.12 percentage points, from 9.47% to 9.35%, the largest move among the key lines here. Citizens Savings Bank and Trust Company ranks 27th of 71 Tennessee banks on CET1 ratio, in the upper half at 14.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens Savings Bank and Trust Company sits 0.67 points lower, at 14.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.40% |
| Tier 1 risk-based capital ratio | 14.40% |
| Total risk-based capital ratio | 15.65% |
| Tier 1 leverage ratio | 9.56% |
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 | $17.8M |
| Tier 1 capital | $17.8M |
| Total risk-based capital | $19.3M |
| Total equity capital | $17.6M |
| Risk-weighted assets | $123.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.35% |
| Tangible equity to tangible assets | 9.35% |
| Equity capital to average assets | 9.46% |
| Internal capital growth rate | 0.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.7M |
| Common stock surplus | $13.0M |
| Retained earnings | $2.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$194K |
| 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 | 14.46% | 14.46% | 15.16% | 11.15% | $131.1M |
| Q4 2023 | 14.73% | 14.73% | 15.73% | 10.86% | $128.5M |
| Q1 2024 | 14.90% | 14.90% | 15.84% | 10.64% | $125.5M |
| Q2 2024 | 14.31% | 14.31% | 15.22% | 10.20% | $128.1M |
| Q3 2024 | 14.38% | 14.38% | 15.20% | 10.16% | $128.0M |
| Q4 2024 | 13.82% | 13.82% | 15.40% | 9.59% | $125.8M |
| Q1 2025 | 13.99% | 13.99% | 15.49% | 9.52% | $124.1M |
| Q2 2025 | 13.85% | 13.85% | 15.17% | 9.41% | $125.4M |
| Q3 2025 | 14.29% | 14.29% | 15.75% | 9.33% | $121.6M |
| Q4 2025 | 14.25% | 14.25% | 15.67% | 9.37% | $121.9M |
| Q1 2026 | 14.38% | 14.38% | 15.64% | 9.63% | $123.5M |
| Q2 2026 | 14.40% | 14.40% | 15.65% | 9.56% | $123.5M |
Citizens Savings Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Savings Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10319) · FFIEC NIC profile (RSSD 55635)