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.
Tangible equity to tangible assets rose 0.71 percentage points from Q1 2026 to Q2 2026, ending at 11.86% against 11.14%. 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 | 12.45% |
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 | $24.7M |
| Tier 1 capital | $24.7M |
| Total risk-based capital | — |
| Total equity capital | $24.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.69% |
| Tangible equity to tangible assets | 11.86% |
| Equity capital to average assets | 12.33% |
| Internal capital growth rate | 14.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $320K |
| Common stock surplus | $4.9M |
| Retained earnings | $21.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 11.17% | 9.48% | 8.46% |
| Q4 2023 | 11.26% | 10.24% | 9.26% |
| Q1 2024 | 10.62% | 9.56% | 8.64% |
| Q2 2024 | 10.50% | 9.87% | 8.95% |
| Q3 2024 | 10.69% | 11.10% | 10.15% |
| Q4 2024 | 11.46% | 11.16% | 10.22% |
| Q1 2025 | 11.89% | 11.44% | 10.51% |
| Q2 2025 | 11.72% | 11.53% | 10.62% |
| Q3 2025 | 12.18% | 11.65% | 10.78% |
| Q4 2025 | 11.74% | 11.72% | 10.88% |
| Q1 2026 | 12.00% | 11.98% | 11.14% |
| Q2 2026 | 12.45% | 12.69% | 11.86% |
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 18356) · FFIEC NIC profile (RSSD 413543)