Citizens State Bank of Luling: 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 Common stock surplus: 182.9% higher than in Q1 2026, at $16.1M.
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 | 21.53% |
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 | $14.9M |
| Tier 1 capital | $14.9M |
| Total risk-based capital | — |
| Total equity capital | $16.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.88% |
| Tangible equity to tangible assets | 20.71% |
| Equity capital to average assets | 23.68% |
| Internal capital growth rate | 2.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $676K |
| Common stock surplus | $16.1M |
| Retained earnings | $157K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$41K |
| 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 | 14.97% | 13.42% | 13.42% |
| Q4 2023 | 15.15% | 14.19% | 14.19% |
| Q1 2024 | 15.00% | 13.69% | 13.69% |
| Q2 2024 | 15.03% | 14.11% | 14.11% |
| Q3 2024 | 15.00% | 14.24% | 14.24% |
| Q4 2024 | 15.31% | 14.70% | 14.70% |
| Q1 2025 | 16.16% | 15.47% | 15.47% |
| Q2 2025 | 17.06% | 16.31% | 16.31% |
| Q3 2025 | 17.06% | 16.99% | 16.99% |
| Q4 2025 | 18.11% | 18.35% | 18.35% |
| Q1 2026 | 19.05% | 18.22% | 18.22% |
| Q2 2026 | 21.53% | 22.88% | 20.71% |
Citizens State Bank of Luling regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Luling, 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 Luling profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10327) · FFIEC NIC profile (RSSD 954653)