Pendleton Community Bank, Inc.: 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, Risk-weighted assets rose 3.3% in Q2 2026 to $683.0M, the biggest move on this page. Pendleton Community Bank, Inc. has the 1st lowest CET1 ratio of the 15 banks headquartered in West Virginia, at 10.58% as of Q2 2026. Pendleton Community Bank, Inc. reported 10.58% on CET1 ratio for Q2 2026, 4.49 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 | 10.58% |
| Tier 1 risk-based capital ratio | 10.58% |
| Total risk-based capital ratio | 11.48% |
| Tier 1 leverage ratio | 8.67% |
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 | $72.2M |
| Tier 1 capital | $72.2M |
| Total risk-based capital | $78.4M |
| Total equity capital | $73.0M |
| Risk-weighted assets | $683.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.59% |
| Tangible equity to tangible assets | 7.97% |
| Equity capital to average assets | 8.70% |
| Internal capital growth rate | 9.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $12.4M |
| Retained earnings | $64.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.0M |
| 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 | 9.80% | 9.80% | 10.54% | 7.52% | $568.4M |
| Q4 2023 | 9.87% | 9.87% | 10.67% | 7.42% | $562.2M |
| Q1 2024 | 10.12% | 10.12% | 10.92% | 7.81% | $577.1M |
| Q2 2024 | 10.28% | 10.28% | 11.11% | 7.76% | $577.6M |
| Q3 2024 | 10.36% | 10.36% | 11.19% | 7.90% | $588.8M |
| Q4 2024 | 10.45% | 10.45% | 11.29% | 7.96% | $600.6M |
| Q1 2025 | 10.75% | 10.75% | 11.62% | 8.27% | $598.3M |
| Q2 2025 | 10.63% | 10.63% | 11.54% | 8.26% | $617.8M |
| Q3 2025 | 10.87% | 10.87% | 11.83% | 8.38% | $617.7M |
| Q4 2025 | 10.54% | 10.54% | 11.48% | 8.43% | $653.1M |
| Q1 2026 | 10.66% | 10.66% | 11.54% | 8.62% | $661.4M |
| Q2 2026 | 10.58% | 10.58% | 11.48% | 8.67% | $683.0M |
Pendleton Community Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pendleton Community Bank, Inc., 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 Pendleton Community Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6176) · FFIEC NIC profile (RSSD 370020)