Citizens State Bank of Loyal: 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 Accumulated other comprehensive income: 15.6% higher than in Q1 2026, at -$4.4M.
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 | $35.9M |
| Tier 1 capital | $35.9M |
| Total risk-based capital | — |
| Total equity capital | $31.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.22% |
| Tangible equity to tangible assets | 10.22% |
| Equity capital to average assets | 10.15% |
| Internal capital growth rate | 1.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $6.3M |
| Retained earnings | $29.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| 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 | 15.26% | 15.26% | 16.31% | 11.28% | $207.9M |
| Q4 2023 | 15.36% | 15.36% | 16.43% | 11.08% | $207.6M |
| Q1 2024 | 15.32% | 15.32% | 16.29% | 11.13% | $211.3M |
| Q2 2024 | 14.95% | 14.95% | 15.89% | 11.21% | $217.6M |
| Q3 2024 | 15.93% | 15.93% | 16.90% | 11.08% | $207.8M |
| Q4 2024 | 15.45% | 15.45% | 16.38% | 10.75% | $215.4M |
| Q1 2025 | 15.64% | 15.64% | 16.58% | 10.97% | $216.7M |
| Q2 2025 | 15.83% | 15.83% | 16.77% | 10.82% | $215.8M |
| Q3 2025 | 16.85% | 16.85% | 17.84% | 10.94% | $207.8M |
| Q4 2025 | 16.65% | 16.65% | 17.63% | 11.33% | $211.5M |
| Q1 2026 | 17.39% | 17.39% | 18.40% | 11.42% | $207.7M |
| Q2 2026 | — | — | — | 11.48% | — |
Citizens State Bank of Loyal regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Loyal, 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 Loyal profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6186) · FFIEC NIC profile (RSSD 479446)