The First National Bank of Peterstown: 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%.
Compared with Q1 2026, Total risk-based capital ratio rose 1.09 percentage points in Q2 2026 to 30.95%, the biggest move on this page. On CET1 ratio, The First National Bank of Peterstown ranks 2nd highest among the 15 banks headquartered in West Virginia, at 29.70% (Q2 2026). The First National Bank of Peterstown's CET1 ratio of 29.70% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 10.14 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.70% |
| Tier 1 risk-based capital ratio | 29.70% |
| Total risk-based capital ratio | 30.95% |
| Tier 1 leverage ratio | 13.90% |
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 | $12.2M |
| Tier 1 capital | $12.2M |
| Total risk-based capital | $12.7M |
| Total equity capital | $11.0M |
| Risk-weighted assets | $41.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.94% |
| Tangible equity to tangible assets | 12.94% |
| Equity capital to average assets | 12.48% |
| Internal capital growth rate | 8.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $40K |
| Common stock surplus | $400K |
| Retained earnings | $11.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 22.46% | 22.46% | 23.68% | 12.61% | $45.7M |
| Q4 2023 | 22.55% | 22.55% | 23.77% | 12.38% | $45.7M |
| Q1 2024 | 23.79% | 23.79% | 25.04% | 12.58% | $44.5M |
| Q2 2024 | 24.84% | 24.84% | 26.09% | 12.68% | $43.6M |
| Q3 2024 | 25.77% | 25.77% | 27.02% | 12.94% | $42.9M |
| Q4 2024 | 26.13% | 26.13% | 27.38% | 12.89% | $42.1M |
| Q1 2025 | 27.13% | 27.13% | 28.38% | 12.84% | $41.4M |
| Q2 2025 | 27.57% | 27.57% | 28.82% | 13.06% | $41.8M |
| Q3 2025 | 28.07% | 28.07% | 29.32% | 13.40% | $41.7M |
| Q4 2025 | 27.74% | 27.74% | 28.99% | 13.62% | $42.2M |
| Q1 2026 | 28.61% | 28.61% | 29.86% | 13.93% | $41.9M |
| Q2 2026 | 29.70% | 29.70% | 30.95% | 13.90% | $41.2M |
The First National Bank of Peterstown regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Peterstown, 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 First National Bank of Peterstown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6787) · FFIEC NIC profile (RSSD 719030)