Citizens State 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 Tangible equity to tangible assets, which rose 0.26 percentage points to 15.80%.
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 | 17.93% |
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 | $25.1M |
| Tier 1 capital | $25.1M |
| Total risk-based capital | — |
| Total equity capital | $22.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.19% |
| Tangible equity to tangible assets | 15.80% |
| Equity capital to average assets | 15.86% |
| Internal capital growth rate | 8.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.3M |
| Retained earnings | $24.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 20.36% | 15.18% | 14.71% |
| Q4 2023 | 19.62% | 15.71% | 15.26% |
| Q1 2024 | 19.40% | 16.05% | 15.59% |
| Q2 2024 | 19.88% | 16.23% | 15.78% |
| Q3 2024 | 19.40% | 16.96% | 16.53% |
| Q4 2024 | 19.05% | 15.34% | 14.91% |
| Q1 2025 | 18.24% | 15.93% | 15.50% |
| Q2 2025 | 18.39% | 16.51% | 16.08% |
| Q3 2025 | 19.22% | 17.76% | 17.33% |
| Q4 2025 | 18.83% | 17.59% | 17.16% |
| Q1 2026 | 17.77% | 15.93% | 15.53% |
| Q2 2026 | 17.93% | 16.19% | 15.80% |
Citizens State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11759) · FFIEC NIC profile (RSSD 212344)