Citizens State Bank of Milford: 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%.
Total equity capital dropped 24.4% in Q3 2026, from $4.6M to $3.4M. It was the largest change from Q2 2026 among the key lines here. Within Illinois, Citizens State Bank of Milford is 137th of 198 on CET1 ratio, 13.10% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Citizens State Bank of Milford sits 6.47 points lower, at 13.10% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.10% |
| Tier 1 risk-based capital ratio | 13.10% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 9.30% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $5.3M |
| Tier 1 capital | $5.3M |
| Total risk-based capital | $5.4M |
| Total equity capital | $3.4M |
| Risk-weighted assets | $40.4M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 6.12% |
| Tangible equity to tangible assets | 6.12% |
| Equity capital to average assets | 6.04% |
| Internal capital growth rate | 2.55% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $1.7M |
| Retained earnings | $3.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 12.88% | 12.88% | 13.18% | 8.49% | $37.3M |
| Q1 2024 | 13.13% | 13.13% | 13.42% | 8.16% | $37.3M |
| Q2 2024 | 14.58% | 14.58% | 14.98% | 8.93% | $34.2M |
| Q3 2024 | 14.12% | 14.12% | 14.49% | 9.81% | $36.1M |
| Q4 2024 | 13.51% | 13.51% | 13.87% | 9.25% | $38.4M |
| Q1 2025 | 13.66% | 13.66% | 14.02% | 8.45% | $36.7M |
| Q2 2025 | 14.64% | 14.64% | 15.04% | 9.10% | $34.6M |
| Q3 2025 | 13.88% | 13.88% | 14.26% | 9.50% | $36.6M |
| Q4 2025 | 12.78% | 12.78% | 13.12% | 9.23% | $40.6M |
| Q1 2026 | 13.47% | 13.47% | 13.84% | 8.54% | $38.5M |
| Q2 2026 | 13.35% | 13.35% | 13.71% | 9.11% | $39.4M |
| Q3 2026 | 13.10% | 13.10% | 13.47% | 9.30% | $40.4M |
Citizens State Bank of Milford regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Milford, 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 Milford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 931) · FFIEC NIC profile (RSSD 771047)