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 Equity capital to total assets, which fell 0.73 percentage points to 11.60%. Citizens State Bank ranks 97th of 184 Texas banks on CET1 ratio, in the lower half at 16.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Citizens State Bank sits 1.63 points higher, at 16.70% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.70% |
| Tier 1 risk-based capital ratio | 16.70% |
| Total risk-based capital ratio | 18.00% |
| Tier 1 leverage ratio | 13.18% |
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 | $64.2M |
| Tier 1 capital | $64.2M |
| Total risk-based capital | $69.2M |
| Total equity capital | $59.3M |
| Risk-weighted assets | $384.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.60% |
| Tangible equity to tangible assets | 11.60% |
| Equity capital to average assets | 12.18% |
| Internal capital growth rate | 2.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $50.8M |
| Retained earnings | $10.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.89% | 15.89% | 16.54% | 11.79% | $219.8M |
| Q4 2023 | 14.68% | 14.68% | 15.78% | 11.27% | $240.4M |
| Q1 2024 | 14.61% | 14.61% | 15.73% | 10.78% | $247.7M |
| Q2 2024 | 13.67% | 13.67% | 14.76% | 10.85% | $264.8M |
| Q3 2024 | 15.93% | 15.93% | 17.00% | 12.33% | $270.6M |
| Q4 2024 | 17.41% | 17.41% | 18.56% | 12.40% | $252.0M |
| Q1 2025 | 18.23% | 18.23% | 19.48% | 13.58% | $273.8M |
| Q2 2025 | 16.41% | 16.41% | 17.56% | 13.77% | $310.2M |
| Q3 2025 | 15.69% | 15.69% | 16.81% | 13.07% | $348.9M |
| Q4 2025 | 16.12% | 16.12% | 17.29% | 13.49% | $388.5M |
| Q1 2026 | 16.03% | 16.03% | 17.23% | 13.44% | $397.4M |
| Q2 2026 | 16.70% | 16.70% | 18.00% | 13.18% | $384.4M |
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 12303) · FFIEC NIC profile (RSSD 625065)