First Peoples Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.73% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 7.73% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 14.48% +7.98 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $56.1M | 56,140 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $387.8M | 387,834 | RCOAA223 |
| Recomputed ratio | 14.48% | numerator / denominator | |
| Filed ratio | 14.48% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.98 pp | $30.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.48% +6.48 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $56.1M | 56,140 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $387.8M | 387,834 | RCOAA223 |
| Recomputed ratio | 14.48% | numerator / denominator | |
| Filed ratio | 14.48% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.48 pp | $25.1M | capital that could be lost first |
Total risk-based capital ratio 15.73% +5.73 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $61.0M | 60,996 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $387.8M | 387,834 | RCOAA223 |
| Recomputed ratio | 15.73% | numerator / denominator | |
| Filed ratio | 15.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.73 pp | $22.2M | capital that could be lost first |
Tier 1 leverage ratio 12.84% +7.84 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $56.1M | 56,140 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $437.2M | 437,158 | RCOAA224 |
| Recomputed ratio | 12.84% | numerator / denominator | |
| Filed ratio | 12.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.84 pp | $34.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 34,759 | 34,495 | 34,495 | 24,495 | 24,495 | 24,360 | RCOAP742 |
| Retained earnings | 21,381 | 20,251 | 19,247 | 18,017 | 16,932 | 15,660 | RCOAKW00 |
| Accumulated other comprehensive income | (1,955) | (1,868) | (1,835) | (2,005) | (2,563) | (2,607) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 54,185 | 52,878 | 51,907 | 40,507 | 38,864 | 37,413 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,955 | 1,868 | 1,835 | 2,005 | 2,563 | 2,607 | P859 - P840 |
| Common equity Tier 1 capital | 56,140 | 54,746 | 53,742 | 42,512 | 41,427 | 40,020 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 56,140 | 54,746 | 53,742 | 42,512 | 41,427 | 40,020 | RCOA8274 |
| Tier 2 capital | 4,856 | 4,491 | 4,132 | 3,882 | 3,785 | 3,728 | RCOA5311 |
| Allowance includable in Tier 2 capital | 4,856 | 4,491 | 4,132 | 3,882 | 3,785 | 3,728 | RCOA5310 |
| Total capital | 60,996 | 59,237 | 57,874 | 46,394 | 45,212 | 43,748 | RCOA3792 |
| Total risk-weighted assets | 387,834 | 358,585 | 330,122 | 310,409 | 302,696 | 298,153 | RCOAA223 |
| Average total assets for the leverage ratio | 437,158 | 419,521 | 397,546 | 384,764 | 373,185 | 377,749 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $37.3M | $993K | 2.67% | 0.26% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $35.3M | $9.4M | 26.71% | 2.43% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $95.1M | $49.9M | 52.48% | 12.85% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $26.2M | $39.3M | 150.00% | 10.11% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $539K | $539K | 100.00% | 0.14% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $234.6M | $234.6M | 100.00% | 60.39% | RC-R Part II, item 4.d, 5.d |
| All other assets | $26.7M | $26.6M | 99.49% | 6.84% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $25.7M | $25.7M | 100.00% | 6.62% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.4M | NA | 0.37% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $387.1M | ties to item 31 ($387.1M) |
|---|---|---|
| Risk-weighted assets before deductions | $388.5M | RCONB704 |
| Less: excess allowance for credit losses | $659K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $387.8M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 14.48% | 14.48% | 15.73% | 12.84% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.27% | 15.27% | 16.52% | 13.05% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.28% | 16.28% | 17.53% | 13.52% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.70% | 13.70% | 14.95% | 11.05% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.69% | 13.69% | 14.94% | 11.10% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.42% | 13.42% | 14.67% | 10.59% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 13.06% | 13.06% | 14.29% | 10.90% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 13.43% | 13.43% | 14.61% | 11.28% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 13.48% | 13.48% | 14.59% | 11.24% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 13.92% | 13.92% | 15.04% | 11.14% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.14% | 15.14% | 16.25% | 12.29% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.56% | 12.56% | 13.69% | 10.29% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First Peoples Bank (this bank) | Risk-based | 14.48% | 14.48% | 15.73% | 12.84% | |
| Security State Bank | $449.1M | Risk-based | 16.19% | 16.19% | 17.37% | 10.44% |
| Welch State Bank of Welch, Okla. | $449.8M | CBLR | NA | NA | NA | 10.20% |
| Greatamerica Bank N.A. | $450.0M | CBLR | NA | NA | NA | 61.62% |
| North Brookfield Savings Bank | $448.7M | CBLR | NA | NA | NA | 10.92% |
| Watermark Bank | $450.5M | Risk-based | 14.11% | 14.11% | 15.36% | 13.29% |
| Bank of Madison | $448.1M | Risk-based | 14.61% | 14.61% | 15.86% | 11.59% |
| The Citizens State Bank | $450.6M | CBLR | NA | NA | NA | 14.45% |
| Patriot Bank | $451.2M | Risk-based | 12.39% | 12.39% | 13.12% | 9.89% |
| Pittsfield Co-Operative Bank | $451.5M | Risk-based | 18.63% | 18.63% | 19.36% | 13.41% |
| Peer 25th percentile | 14.11% | 14.11% | 15.36% | 10.44% | ||
| Peer median | 14.61% | 14.61% | 15.86% | 11.59% | ||
| Peer 75th percentile | 16.19% | 16.19% | 17.37% | 13.41% | ||
| This bank's percentile | 40 | 40 | 40 | 56 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/1459799/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.