Peach State Bank & Trust: Regulatory Capital and Risk-Weighted Assets
BankRegReports is independent of Peach State Bank & Trust and never asks for online banking logins or passwords.
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.12% (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: 8.12% (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 14.92% +8.42 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 | $79.1M | 79,091 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $530.0M | 530,016 | RCOAA223 |
| Recomputed ratio | 14.92% | numerator / denominator | |
| Filed ratio | 14.92% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.42 pp | $44.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.92% +6.92 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 | $79.1M | 79,091 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $530.0M | 530,016 | RCOAA223 |
| Recomputed ratio | 14.92% | numerator / denominator | |
| Filed ratio | 14.92% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.92 pp | $36.7M | capital that could be lost first |
Total risk-based capital ratio 16.12% +6.12 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 | $85.5M | 85,454 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $530.0M | 530,016 | RCOAA223 |
| Recomputed ratio | 16.12% | numerator / denominator | |
| Filed ratio | 16.12% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.12 pp | $32.5M | capital that could be lost first |
Tier 1 leverage ratio 10.09% +5.09 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 | $79.1M | 79,091 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $783.7M | 783,653 | RCOAA224 |
| Recomputed ratio | 10.09% | numerator / denominator | |
| Filed ratio | 10.09% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.09 pp | $39.9M | 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 | 44,521 | 44,521 | 44,521 | 44,521 | 44,521 | 44,521 | RCOAP742 |
| Retained earnings | 34,646 | 31,873 | 29,570 | 35,440 | 32,828 | 30,501 | RCOAKW00 |
| Accumulated other comprehensive income | (4,409) | (4,470) | (3,914) | (4,668) | (5,745) | (6,263) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 74,758 | 71,924 | 70,177 | 75,293 | 71,604 | 68,759 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 4,333 | 4,388 | 3,827 | 4,575 | 5,645 | 6,156 | P859 - P840 |
| Common equity Tier 1 capital | 79,091 | 76,312 | 74,004 | 79,868 | 77,249 | 74,915 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 79,091 | 76,312 | 74,004 | 79,868 | 77,249 | 74,915 | RCOA8274 |
| Tier 2 capital | 6,363 | 6,315 | 6,040 | 6,068 | 5,978 | 5,888 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,363 | 6,315 | 6,040 | 6,068 | 5,978 | 5,888 | RCOA5310 |
| Total capital | 85,454 | 82,627 | 80,044 | 85,936 | 83,227 | 80,803 | RCOA3792 |
| Total risk-weighted assets | 530,016 | 505,142 | 521,963 | 507,940 | 484,564 | 483,554 | RCOAA223 |
| Average total assets for the leverage ratio | 783,653 | 787,228 | 763,737 | 743,605 | 712,894 | 726,060 | 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 | $77.4M | $1.2M | 1.59% | 0.23% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $163.6M | $24.4M | 14.93% | 4.61% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $222.7M | $112.3M | 50.45% | 21.20% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $300.8M | $295.6M | 98.29% | 55.78% | RC-R Part II, item 4.d, 5.d |
| All other assets | $35.0M | $32.2M | 92.00% | 6.08% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $64.4M | $64.2M | 99.72% | 12.11% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $530.0M | ties to item 31 ($530.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $530.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $530.0M | 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 | 14.92% | 14.92% | 16.12% | 10.09% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.11% | 15.11% | 16.36% | 9.69% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.18% | 14.18% | 15.34% | 9.69% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.72% | 15.72% | 16.92% | 10.74% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.94% | 15.94% | 17.18% | 10.84% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.49% | 15.49% | 16.71% | 10.32% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.30% | 15.30% | 16.45% | 9.56% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 14.85% | 14.85% | 15.94% | 8.74% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 14.99% | 14.99% | 16.09% | 8.89% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.19% | 15.19% | 16.32% | 9.10% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.62% | 15.62% | 16.87% | 9.46% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.80% | 15.80% | 17.05% | 9.66% | 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 |
|---|---|---|---|---|---|---|
| Peach State Bank & Trust (this bank) | Risk-based | 14.92% | 14.92% | 16.12% | 10.09% | |
| Franklin Savings Bank | $786.9M | Risk-based | 22.03% | 22.03% | 22.85% | 18.79% |
| Quontic Bank | $787.0M | CBLR | NA | NA | NA | 9.73% |
| First Savings Bank of Hegewisch | $787.0M | Risk-based | 38.89% | 38.89% | 39.51% | 14.88% |
| City State Bank | $787.9M | CBLR | NA | NA | NA | 9.37% |
| Reliabank Dakota | $788.4M | Risk-based | 14.06% | 14.06% | 14.82% | 10.49% |
| Savers Co-Operative Bank | $783.2M | CBLR | NA | NA | NA | 11.30% |
| The Bank of Canton | $782.5M | Risk-based | 22.99% | 22.99% | 24.24% | 14.43% |
| Cenlar FSB | $782.0M | Risk-based | 44.07% | 44.07% | 44.07% | 16.56% |
| Mission Valley Bank | $782.0M | Risk-based | 12.25% | 12.25% | 13.44% | 11.00% |
| Peer 25th percentile | 16.05% | 16.05% | 16.83% | 10.49% | ||
| Peer median | 22.51% | 22.51% | 23.55% | 11.30% | ||
| Peer 75th percentile | 34.92% | 34.92% | 35.69% | 14.88% | ||
| This bank's percentile | 33 | 33 | 33 | 22 |
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/3348468/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.