First Peoples 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 Risk-weighted assets: 8.2% higher than in Q1 2026, at $387.8M. First Peoples Bank ranks 54th of 79 Georgia banks on CET1 ratio, in the lower half at 14.48% (Q2 2026). First Peoples Bank reported 14.48% on CET1 ratio for Q2 2026, 0.60 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.48% |
| Tier 1 risk-based capital ratio | 14.48% |
| Total risk-based capital ratio | 15.73% |
| Tier 1 leverage ratio | 12.84% |
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 | $56.1M |
| Tier 1 capital | $56.1M |
| Total risk-based capital | $61.0M |
| Total equity capital | $54.2M |
| Risk-weighted assets | $387.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.06% |
| Tangible equity to tangible assets | 12.06% |
| Equity capital to average assets | 12.39% |
| Internal capital growth rate | 8.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $33.3M |
| Retained earnings | $21.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.56% | 12.56% | 13.69% | 10.29% | $230.9M |
| Q4 2023 | 15.14% | 15.14% | 16.25% | 12.29% | $243.5M |
| Q1 2024 | 13.92% | 13.92% | 15.04% | 11.14% | $259.4M |
| Q2 2024 | 13.48% | 13.48% | 14.59% | 11.24% | $275.2M |
| Q3 2024 | 13.43% | 13.43% | 14.61% | 11.28% | $282.2M |
| Q4 2024 | 13.06% | 13.06% | 14.29% | 10.90% | $298.3M |
| Q1 2025 | 13.42% | 13.42% | 14.67% | 10.59% | $298.2M |
| Q2 2025 | 13.69% | 13.69% | 14.94% | 11.10% | $302.7M |
| Q3 2025 | 13.70% | 13.70% | 14.95% | 11.05% | $310.4M |
| Q4 2025 | 16.28% | 16.28% | 17.53% | 13.52% | $330.1M |
| Q1 2026 | 15.27% | 15.27% | 16.52% | 13.05% | $358.6M |
| Q2 2026 | 14.48% | 14.48% | 15.73% | 12.84% | $387.8M |
First Peoples Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Peoples 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 Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33010) · FFIEC NIC profile (RSSD 1459799)