First & Peoples Bank and Trust Company: 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, Accumulated other comprehensive income rose 5.8% in Q2 2026 to -$8.6M, the biggest move on this page.
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 | 9.05% |
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 | $19.4M |
| Tier 1 capital | $19.4M |
| Total risk-based capital | — |
| Total equity capital | $15.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.66% |
| Tangible equity to tangible assets | 7.66% |
| Equity capital to average assets | 7.23% |
| Internal capital growth rate | -5.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $6.0M |
| Retained earnings | $18.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.6M |
| 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 | 10.43% | 5.02% | 5.02% |
| Q4 2023 | 9.90% | 7.13% | 7.13% |
| Q1 2024 | 9.84% | 6.73% | 6.73% |
| Q2 2024 | 9.99% | 6.94% | 6.94% |
| Q3 2024 | 9.85% | 7.61% | 7.61% |
| Q4 2024 | 9.90% | 6.83% | 6.83% |
| Q1 2025 | 9.07% | 6.60% | 6.60% |
| Q2 2025 | 9.07% | 6.36% | 6.36% |
| Q3 2025 | 9.07% | 7.26% | 7.26% |
| Q4 2025 | 9.31% | 8.10% | 8.10% |
| Q1 2026 | 9.18% | 7.43% | 7.43% |
| Q2 2026 | 9.05% | 7.66% | 7.66% |
First & Peoples Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First & Peoples Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8122) · FFIEC NIC profile (RSSD 391418)