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.
The largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 6.9% to $57.8M. Citizens State Bank ranks 46th of 57 Nebraska banks on CET1 ratio, in the lower half at 12.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Citizens State Bank sits 3.06 points lower, at 12.02% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 10.07% |
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 | $67.6M |
| Tier 1 capital | $67.6M |
| Total risk-based capital | $74.6M |
| Total equity capital | $57.8M |
| Risk-weighted assets | $562.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.84% |
| Tangible equity to tangible assets | 8.52% |
| Equity capital to average assets | 8.57% |
| Internal capital growth rate | 11.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $29.0M |
| Retained earnings | $39.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.1M |
| 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 | 12.67% | 12.67% | 13.92% | 10.86% | $455.0M |
| Q4 2023 | 12.60% | 12.60% | 13.86% | 11.02% | $463.1M |
| Q1 2024 | 12.74% | 12.74% | 13.99% | 10.72% | $465.0M |
| Q2 2024 | 12.56% | 12.56% | 13.82% | 10.43% | $481.0M |
| Q3 2024 | 12.60% | 12.60% | 13.85% | 10.51% | $488.0M |
| Q4 2024 | 11.83% | 11.83% | 13.08% | 10.21% | $516.3M |
| Q1 2025 | 12.07% | 12.07% | 13.32% | 9.84% | $516.3M |
| Q2 2025 | 12.21% | 12.21% | 13.46% | 10.15% | $522.2M |
| Q3 2025 | 12.31% | 12.31% | 13.57% | 10.37% | $522.9M |
| Q4 2025 | 11.87% | 11.87% | 13.12% | 10.40% | $554.1M |
| Q1 2026 | 11.89% | 11.89% | 13.14% | 10.08% | $554.8M |
| Q2 2026 | 12.02% | 12.02% | 13.27% | 10.07% | $562.1M |
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 5495) · FFIEC NIC profile (RSSD 482053)