Citizens State Bank and Trust Co., Ellsworth, Kansas: 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%.
Retained earnings rose 3.6% from Q1 2026 to Q2 2026, ending at $15.6M against $15.0M. 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 | 9.74% |
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 | $27.7M |
| Tier 1 capital | $27.7M |
| Total risk-based capital | — |
| Total equity capital | $21.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.71% |
| Tangible equity to tangible assets | 6.99% |
| Equity capital to average assets | 7.42% |
| Internal capital growth rate | 10.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $13.7M |
| Retained earnings | $15.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.6M |
| 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 | 14.24% | 14.24% | 15.49% | 8.33% | $145.4M |
| Q4 2023 | 14.90% | 14.90% | 16.15% | 8.13% | $142.2M |
| Q1 2024 | 17.21% | 17.21% | 18.46% | 9.05% | $141.8M |
| Q2 2024 | 16.71% | 16.71% | 17.96% | 9.30% | $147.4M |
| Q3 2024 | 16.72% | 16.72% | 17.97% | 9.40% | $147.9M |
| Q4 2024 | 17.14% | 17.14% | 18.39% | 9.35% | $145.5M |
| Q1 2025 | 17.54% | 17.54% | 18.79% | 9.28% | $144.6M |
| Q2 2025 | 16.98% | 16.98% | 18.23% | 9.40% | $152.2M |
| Q3 2025 | 16.99% | 16.99% | 18.24% | 9.78% | $155.2M |
| Q4 2025 | — | — | — | 9.61% | — |
| Q1 2026 | — | — | — | 9.58% | — |
| Q2 2026 | — | — | — | 9.74% | — |
Citizens State Bank and Trust Co., Ellsworth, Kansas regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank and Trust Co., Ellsworth, Kansas, 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 and Trust Co., Ellsworth, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11778) · FFIEC NIC profile (RSSD 733951)