Citizens State Bank of Lankin: 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%.
Equity capital to total assets climbed 1.09 percentage points in Q2 2026, from 7.72% to 8.81%. It was the largest change from Q1 2026 among the key lines here.
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 | 10.13% |
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 | $7.7M |
| Tier 1 capital | $7.7M |
| Total risk-based capital | — |
| Total equity capital | $6.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.81% |
| Tangible equity to tangible assets | 8.81% |
| Equity capital to average assets | 8.36% |
| Internal capital growth rate | 18.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $125K |
| Common stock surplus | $2.7M |
| Retained earnings | $4.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 10.76% | 5.96% | 5.96% |
| Q4 2023 | 10.78% | 7.74% | 7.74% |
| Q1 2024 | 10.09% | 7.46% | 7.46% |
| Q2 2024 | 10.59% | 7.22% | 7.22% |
| Q3 2024 | 9.98% | 7.94% | 7.94% |
| Q4 2024 | 10.13% | 7.31% | 7.31% |
| Q1 2025 | 10.23% | 7.37% | 7.37% |
| Q2 2025 | 10.12% | 7.51% | 7.51% |
| Q3 2025 | 10.52% | 8.35% | 8.35% |
| Q4 2025 | 10.41% | 8.72% | 8.72% |
| Q1 2026 | 9.57% | 7.72% | 7.72% |
| Q2 2026 | 10.13% | 8.81% | 8.81% |
Citizens State Bank of Lankin regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Lankin, 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 of Lankin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9422) · FFIEC NIC profile (RSSD 940852)