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%.
Equity capital to total assets rose 0.68 percentage points from Q1 2026 to Q2 2026, ending at 10.96% against 10.28%. It was the largest change among the key lines on this page.
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 | 10.74% |
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 | $29.8M |
| Tier 1 capital | $29.8M |
| Total risk-based capital | — |
| Total equity capital | $29.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.96% |
| Tangible equity to tangible assets | 10.96% |
| Equity capital to average assets | 10.67% |
| Internal capital growth rate | 11.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $1.9M |
| Retained earnings | $27.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$181K |
| 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 | 13.86% | 13.86% | 15.05% | 9.95% | $158.8M |
| Q4 2023 | 13.73% | 13.73% | 14.87% | 9.93% | $164.8M |
| Q1 2024 | — | — | — | 9.88% | — |
| Q2 2024 | — | — | — | 10.27% | — |
| Q3 2024 | — | — | — | 10.32% | — |
| Q4 2024 | — | — | — | 10.37% | — |
| Q1 2025 | — | — | — | 10.62% | — |
| Q2 2025 | — | — | — | 10.71% | — |
| Q3 2025 | — | — | — | 10.41% | — |
| Q4 2025 | — | — | — | 10.10% | — |
| Q1 2026 | — | — | — | 10.51% | — |
| Q2 2026 | — | — | — | 10.74% | — |
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 15519) · FFIEC NIC profile (RSSD 296755)