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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets dropped 1.36 percentage points in Q2 2026, from 10.46% to 9.10%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank ranks 118th of 198 Illinois banks on CET1 ratio, in the lower half at 14.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Citizens State Bank sits 1.08 points lower, at 14.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 14.82% |
| Tier 1 leverage ratio | 9.58% |
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 | $44.4M |
| Tier 1 capital | $44.4M |
| Total risk-based capital | $47.0M |
| Total equity capital | $42.7M |
| Risk-weighted assets | $317.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 8.35% |
| Equity capital to average assets | 9.10% |
| Internal capital growth rate | -40.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $3.5M |
| Retained earnings | $45.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.0M |
| 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 | 14.99% | 14.99% | 16.24% | 9.63% | $252.7M |
| Q4 2023 | 14.06% | 14.06% | 15.19% | 9.66% | $279.0M |
| Q1 2024 | 14.05% | 14.05% | 15.15% | 9.76% | $285.5M |
| Q2 2024 | 14.15% | 14.15% | 15.23% | 9.80% | $287.1M |
| Q3 2024 | 14.81% | 14.81% | 15.88% | 9.90% | $281.7M |
| Q4 2024 | 14.62% | 14.62% | 15.64% | 10.07% | $295.0M |
| Q1 2025 | 15.08% | 15.08% | 16.13% | 10.61% | $293.5M |
| Q2 2025 | 15.16% | 15.16% | 16.20% | 10.34% | $297.6M |
| Q3 2025 | 16.00% | 16.00% | 17.22% | 10.23% | $287.2M |
| Q4 2025 | 15.08% | 15.08% | 15.76% | 10.48% | $317.6M |
| Q1 2026 | 15.97% | 15.97% | 16.74% | 10.84% | $308.2M |
| Q2 2026 | 14.01% | 14.01% | 14.82% | 9.58% | $317.2M |
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 10474) · FFIEC NIC profile (RSSD 356239)