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 standout move of Q2 2026 was in Total equity capital: 11.1% higher than in Q1 2026, at $39.6M.
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 | 11.48% |
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 | $69.1M |
| Tier 1 capital | $69.1M |
| Total risk-based capital | — |
| Total equity capital | $39.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.66% |
| Tangible equity to tangible assets | 6.12% |
| Equity capital to average assets | 6.54% |
| Internal capital growth rate | 17.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.8M |
| Retained earnings | $69.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$32.9M |
| 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 | 10.91% | 2.27% | 1.17% |
| Q4 2023 | 10.67% | 4.23% | 3.25% |
| Q1 2024 | 10.69% | 4.18% | 3.21% |
| Q2 2024 | 10.80% | 4.22% | 3.29% |
| Q3 2024 | 11.20% | 5.00% | 4.16% |
| Q4 2024 | 10.97% | 4.43% | 3.64% |
| Q1 2025 | 10.92% | 4.51% | 3.76% |
| Q2 2025 | 10.89% | 4.75% | 4.04% |
| Q3 2025 | 11.04% | 5.52% | 4.86% |
| Q4 2025 | 10.78% | 5.95% | 5.35% |
| Q1 2026 | 11.37% | 6.11% | 5.53% |
| Q2 2026 | 11.48% | 6.66% | 6.12% |
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 9047) · FFIEC NIC profile (RSSD 795548)