Pennian Bank: 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%.
Accumulated other comprehensive income rose 7.0% from Q1 2026 to Q2 2026, ending at -$13.4M against -$14.4M. It was the largest change among the key lines on this page. Within Pennsylvania, Pennian Bank is 29th of 72 on CET1 ratio, 15.27% 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; Pennian Bank reported 15.27% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.27% |
| Tier 1 risk-based capital ratio | 15.27% |
| Total risk-based capital ratio | 16.52% |
| Tier 1 leverage ratio | 9.24% |
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 | $63.1M |
| Tier 1 capital | $63.1M |
| Total risk-based capital | $68.3M |
| Total equity capital | $49.8M |
| Risk-weighted assets | $413.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.45% |
| Tangible equity to tangible assets | 7.45% |
| Equity capital to average assets | 7.28% |
| Internal capital growth rate | 3.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $8.1M |
| Retained earnings | $54.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.4M |
| 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 | 13.77% | 13.77% | 15.02% | 8.26% | $438.4M |
| Q4 2023 | 13.62% | 13.62% | 14.88% | 8.12% | $435.5M |
| Q1 2024 | 13.49% | 13.49% | 14.74% | 8.19% | $438.8M |
| Q2 2024 | 13.75% | 13.75% | 15.00% | 8.14% | $434.1M |
| Q3 2024 | 14.18% | 14.18% | 15.43% | 8.36% | $425.6M |
| Q4 2024 | 14.36% | 14.36% | 15.61% | 8.52% | $420.7M |
| Q1 2025 | 14.69% | 14.69% | 15.94% | 8.85% | $416.3M |
| Q2 2025 | 15.03% | 15.03% | 16.28% | 8.88% | $411.6M |
| Q3 2025 | 15.11% | 15.11% | 16.36% | 8.68% | $407.0M |
| Q4 2025 | 15.47% | 15.47% | 16.73% | 8.92% | $401.2M |
| Q1 2026 | 15.78% | 15.78% | 17.03% | 9.33% | $397.4M |
| Q2 2026 | 15.27% | 15.27% | 16.52% | 9.24% | $413.4M |
Pennian Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pennian Bank, 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 Pennian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7613) · FFIEC NIC profile (RSSD 212018)