Citizens Trust 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 standout move of Q2 2026 was in Common equity Tier 1 ratio: 1.64 percentage points lower than in Q1 2026, at 22.73%. Citizens Trust Bank ranks 15th of 79 Georgia banks on CET1 ratio, in the upper half at 22.73% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, Citizens Trust Bank reported 22.73% on CET1 ratio in Q2 2026, 7.65 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.73% |
| Tier 1 risk-based capital ratio | 22.73% |
| Total risk-based capital ratio | 23.87% |
| Tier 1 leverage ratio | 13.24% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $106.3M |
| Tier 1 capital | $106.3M |
| Total risk-based capital | $111.6M |
| Total equity capital | $98.7M |
| Risk-weighted assets | $467.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.49% |
| Tangible equity to tangible assets | 12.45% |
| Equity capital to average assets | 12.29% |
| Internal capital growth rate | -14.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $11.4M |
| Retained earnings | $93.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 |
|---|---|---|---|---|---|
| Q3 2023 | 19.40% | 19.40% | 20.52% | 11.25% | $423.2M |
| Q4 2023 | 20.42% | 20.42% | 21.60% | 11.88% | $421.8M |
| Q1 2024 | 20.43% | 20.43% | 21.58% | 12.17% | $440.8M |
| Q2 2024 | 19.55% | 19.55% | 20.68% | 11.62% | $450.7M |
| Q3 2024 | 19.52% | 19.52% | 20.60% | 11.94% | $471.6M |
| Q4 2024 | 20.09% | 20.09% | 21.16% | 12.24% | $477.8M |
| Q1 2025 | 21.35% | 21.35% | 22.43% | 12.70% | $466.0M |
| Q2 2025 | 20.16% | 20.16% | 21.25% | 12.06% | $470.7M |
| Q3 2025 | 22.76% | 22.76% | 23.85% | 13.27% | $454.7M |
| Q4 2025 | 24.03% | 24.03% | 25.16% | 13.68% | $445.4M |
| Q1 2026 | 24.37% | 24.37% | 25.51% | 13.86% | $451.5M |
| Q2 2026 | 22.73% | 22.73% | 23.87% | 13.24% | $467.5M |
Citizens Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Trust 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 Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8033) · FFIEC NIC profile (RSSD 680130)