First Peoples Bank of Tennessee: 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 5.6% to -$3.3M. Within Tennessee, First Peoples Bank of Tennessee is 33rd of 71 on CET1 ratio, 13.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Peoples Bank of Tennessee sits 1.13 points lower, at 13.94% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.94% |
| Tier 1 risk-based capital ratio | 13.94% |
| Total risk-based capital ratio | 15.20% |
| Tier 1 leverage ratio | 11.41% |
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 | $25.2M |
| Tier 1 capital | $25.2M |
| Total risk-based capital | $27.5M |
| Total equity capital | $21.9M |
| Risk-weighted assets | $180.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.97% |
| Tangible equity to tangible assets | 9.97% |
| Equity capital to average assets | 9.92% |
| Internal capital growth rate | 2.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $760K |
| Common stock surplus | $18.0M |
| Retained earnings | $6.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| 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 | 14.70% | 14.70% | 15.95% | 10.88% | $150.3M |
| Q4 2023 | 14.72% | 14.72% | 17.46% | 10.90% | $150.7M |
| Q1 2024 | 14.62% | 14.62% | 15.87% | 10.46% | $151.9M |
| Q2 2024 | 14.47% | 14.47% | 15.72% | 10.49% | $154.0M |
| Q3 2024 | 14.27% | 14.27% | 15.53% | 10.57% | $157.1M |
| Q4 2024 | 14.14% | 14.14% | 15.39% | 10.75% | $161.5M |
| Q1 2025 | 14.77% | 14.77% | 16.02% | 11.15% | $156.0M |
| Q2 2025 | 15.10% | 15.10% | 16.35% | 11.34% | $157.6M |
| Q3 2025 | 14.36% | 14.36% | 15.61% | 11.34% | $168.3M |
| Q4 2025 | 14.18% | 14.18% | 15.44% | 11.37% | $172.7M |
| Q1 2026 | 13.89% | 13.89% | 15.15% | 11.25% | $180.3M |
| Q2 2026 | 13.94% | 13.94% | 15.20% | 11.41% | $180.6M |
First Peoples Bank of Tennessee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Peoples Bank of Tennessee, 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 of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21874) · FFIEC NIC profile (RSSD 421539)