First Citizens 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, Equity capital to total assets edged up by 0.16 percentage points, from 11.25% to 11.42%, the largest move among the key lines here. Within Iowa, First Citizens Bank is 56th of 114 on CET1 ratio, 13.75% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; First Citizens Bank reported 13.75% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.75% |
| Tier 1 risk-based capital ratio | 13.75% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 11.96% |
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 | $220.6M |
| Tier 1 capital | $220.6M |
| Total risk-based capital | $240.1M |
| Total equity capital | $205.2M |
| Risk-weighted assets | $1.60B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.42% |
| Tangible equity to tangible assets | 11.42% |
| Equity capital to average assets | 11.13% |
| Internal capital growth rate | 0.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $32.5M |
| Retained earnings | $184.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.4M |
| 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 | 12.31% | 12.31% | 13.32% | 11.89% | $1.63B |
| Q4 2023 | 11.96% | 11.96% | 12.97% | 11.56% | $1.67B |
| Q1 2024 | 11.77% | 11.77% | 12.77% | 11.51% | $1.70B |
| Q2 2024 | 11.70% | 11.70% | 12.71% | 11.38% | $1.73B |
| Q3 2024 | 12.23% | 12.23% | 13.30% | 11.08% | $1.68B |
| Q4 2024 | 12.50% | 12.50% | 13.64% | 11.20% | $1.66B |
| Q1 2025 | 12.76% | 12.76% | 13.93% | 11.24% | $1.65B |
| Q2 2025 | 12.85% | 12.85% | 14.07% | 11.18% | $1.63B |
| Q3 2025 | 13.30% | 13.30% | 14.55% | 11.25% | $1.59B |
| Q4 2025 | 13.68% | 13.68% | 14.93% | 11.48% | $1.58B |
| Q1 2026 | 13.84% | 13.84% | 15.09% | 12.08% | $1.59B |
| Q2 2026 | 13.75% | 13.75% | 14.96% | 11.96% | $1.60B |
First Citizens Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens 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 First Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4433) · FFIEC NIC profile (RSSD 186744)