Citizens State Bank and Trust Company: 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 rose 0.65 percentage points to 18.09%. Among 85 Kansas banks, Citizens State Bank and Trust Company sits 8th from the top on CET1 ratio, 29.83% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, Citizens State Bank and Trust Company reported 29.83% on CET1 ratio in Q2 2026, 14.76 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.83% |
| Tier 1 risk-based capital ratio | 29.83% |
| Total risk-based capital ratio | 30.80% |
| Tier 1 leverage ratio | 18.31% |
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 | $19.0M |
| Tier 1 capital | $19.0M |
| Total risk-based capital | $19.7M |
| Total equity capital | $18.7M |
| Risk-weighted assets | $63.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.09% |
| Tangible equity to tangible assets | 18.09% |
| Equity capital to average assets | 18.03% |
| Internal capital growth rate | 4.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $1.4M |
| Retained earnings | $17.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$295K |
| 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 | 29.48% | 29.48% | 30.60% | 15.93% | $55.8M |
| Q4 2023 | 28.61% | 28.61% | 29.67% | 16.75% | $58.8M |
| Q1 2024 | 30.36% | 30.36% | 31.47% | 17.43% | $56.1M |
| Q2 2024 | 30.43% | 30.43% | 31.52% | 18.68% | $56.6M |
| Q3 2024 | 30.95% | 30.95% | 32.05% | 18.90% | $56.6M |
| Q4 2024 | 30.46% | 30.46% | 31.53% | 18.52% | $58.8M |
| Q1 2025 | 30.53% | 30.53% | 31.60% | 17.90% | $58.6M |
| Q2 2025 | 28.93% | 28.93% | 29.93% | 17.97% | $62.8M |
| Q3 2025 | 28.69% | 28.69% | 29.66% | 18.34% | $64.2M |
| Q4 2025 | 29.01% | 29.01% | 29.96% | 17.88% | $64.8M |
| Q1 2026 | 30.47% | 30.47% | 31.48% | 17.86% | $61.8M |
| Q2 2026 | 29.83% | 29.83% | 30.80% | 18.31% | $63.8M |
Citizens State Bank and Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5830) · FFIEC NIC profile (RSSD 678557)