The Citizens State Bank: 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%.
In Q2 2026, Retained earnings edged up by 1.8%, from $23.7M to $24.1M, the largest move 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 | 9.76% |
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 | $42.6M |
| Tier 1 capital | $42.6M |
| Total risk-based capital | — |
| Total equity capital | $34.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.81% |
| Tangible equity to tangible assets | 7.43% |
| Equity capital to average assets | 7.89% |
| Internal capital growth rate | 4.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $336K |
| Common stock surplus | $19.9M |
| Retained earnings | $24.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.8M |
| 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 | 10.17% | 6.54% | 6.10% |
| Q4 2023 | 10.16% | 7.25% | 6.83% |
| Q1 2024 | 10.01% | 7.13% | 6.71% |
| Q2 2024 | 10.12% | 7.32% | 6.90% |
| Q3 2024 | 9.98% | 7.86% | 7.45% |
| Q4 2024 | 9.83% | 7.03% | 6.63% |
| Q1 2025 | 9.95% | 7.61% | 7.20% |
| Q2 2025 | 10.06% | 7.47% | 7.07% |
| Q3 2025 | 9.91% | 7.99% | 7.59% |
| Q4 2025 | 9.91% | 7.91% | 7.52% |
| Q1 2026 | 9.79% | 7.83% | 7.44% |
| Q2 2026 | 9.76% | 7.81% | 7.43% |
The Citizens State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14269) · FFIEC NIC profile (RSSD 572459)