Citizens Tri-County 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.4% to $127.7M.
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 | 9.34% |
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 | $155.5M |
| Tier 1 capital | $155.5M |
| Total risk-based capital | — |
| Total equity capital | $148.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.05% |
| Tangible equity to tangible assets | 8.77% |
| Equity capital to average assets | 8.89% |
| Internal capital growth rate | 21.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $32.7M |
| Retained earnings | $127.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.0M |
| 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 | 9.57% | 7.34% | 6.95% |
| Q4 2023 | 9.30% | 7.61% | 7.24% |
| Q1 2024 | 9.22% | 7.59% | 7.24% |
| Q2 2024 | 9.33% | 7.93% | 7.59% |
| Q3 2024 | 9.40% | 8.39% | 8.06% |
| Q4 2024 | 9.15% | 7.93% | 7.61% |
| Q1 2025 | 9.21% | 8.21% | 7.90% |
| Q2 2025 | 9.04% | 8.28% | 7.98% |
| Q3 2025 | 9.51% | 8.96% | 8.66% |
| Q4 2025 | 9.05% | 8.41% | 8.12% |
| Q1 2026 | 9.13% | 8.51% | 8.23% |
| Q2 2026 | 9.34% | 9.05% | 8.77% |
Citizens Tri-County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Tri-County 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 Citizens Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20818) · FFIEC NIC profile (RSSD 162337)