The Citizens State Bank at Mohall: 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 standout move of Q2 2026 was in Risk-weighted assets: 8.8% lower than in Q1 2026, at $60.1M. The Citizens State Bank at Mohall ranks 6th of 25 North Dakota banks on CET1 ratio, in the upper half at 16.01% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. The Citizens State Bank at Mohall sits 3.55 points lower, at 16.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.01% |
| Tier 1 risk-based capital ratio | 16.01% |
| Total risk-based capital ratio | 16.69% |
| Tier 1 leverage ratio | 11.78% |
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 | $9.6M |
| Tier 1 capital | $9.6M |
| Total risk-based capital | $10.0M |
| Total equity capital | $9.2M |
| Risk-weighted assets | $60.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.50% |
| Tangible equity to tangible assets | 11.50% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 1.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.2M |
| Retained earnings | $8.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$399K |
| 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 | 15.51% | 15.51% | 16.09% | 12.21% | $55.4M |
| Q4 2023 | 15.57% | 15.57% | 16.15% | 12.14% | $55.2M |
| Q1 2024 | 15.84% | 15.84% | 16.54% | 12.30% | $55.5M |
| Q2 2024 | 15.32% | 15.32% | 16.05% | 12.56% | $58.0M |
| Q3 2024 | 15.27% | 15.27% | 15.98% | 12.52% | $59.2M |
| Q4 2024 | 15.31% | 15.31% | 16.03% | 12.36% | $58.9M |
| Q1 2025 | 15.30% | 15.30% | 16.01% | 12.13% | $59.9M |
| Q2 2025 | 15.01% | 15.01% | 15.70% | 12.08% | $61.0M |
| Q3 2025 | 15.29% | 15.29% | 15.97% | 11.83% | $60.6M |
| Q4 2025 | 13.84% | 13.84% | 14.49% | 11.75% | $67.6M |
| Q1 2026 | 14.56% | 14.56% | 15.17% | 11.78% | $65.8M |
| Q2 2026 | 16.01% | 16.01% | 16.69% | 11.78% | $60.1M |
The Citizens State Bank at Mohall regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank at Mohall, 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 The Citizens State Bank at Mohall profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8632) · FFIEC NIC profile (RSSD 688453)