First 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.46 percentage points to 17.99%.
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 | 18.00% |
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 | $93.0M |
| Tier 1 capital | $93.0M |
| Total risk-based capital | — |
| Total equity capital | $93.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.70% |
| Tangible equity to tangible assets | 17.70% |
| Equity capital to average assets | 17.99% |
| Internal capital growth rate | 9.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $5.2M |
| Retained earnings | $87.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$45K |
| 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 | 17.49% | 17.61% | 17.61% |
| Q4 2023 | 17.45% | 17.34% | 17.34% |
| Q1 2024 | 17.47% | 17.79% | 17.79% |
| Q2 2024 | 17.96% | 17.67% | 17.67% |
| Q3 2024 | 17.50% | 17.26% | 17.26% |
| Q4 2024 | 16.65% | 15.76% | 15.76% |
| Q1 2025 | 15.84% | 16.13% | 16.13% |
| Q2 2025 | 16.74% | 17.16% | 17.16% |
| Q3 2025 | 17.48% | 17.70% | 17.70% |
| Q4 2025 | 17.82% | 17.27% | 17.27% |
| Q1 2026 | 17.54% | 17.77% | 17.77% |
| Q2 2026 | 18.00% | 17.70% | 17.70% |
First Citizens State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11228) · FFIEC NIC profile (RSSD 831642)