Peoplefirst 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.73 percentage points in Q2 2026 to 11.86%, the biggest move on this page. Peoplefirst Bank ranks 79th of 198 Illinois banks on CET1 ratio, in the upper half at 16.31% (Q2 2026). Peoplefirst Bank reported 16.31% on CET1 ratio for Q2 2026, 1.24 points above 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 | 16.31% |
| Tier 1 risk-based capital ratio | 16.31% |
| Total risk-based capital ratio | 17.56% |
| Tier 1 leverage ratio | 12.35% |
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 | $31.7M |
| Tier 1 capital | $31.7M |
| Total risk-based capital | $34.2M |
| Total equity capital | $31.5M |
| Risk-weighted assets | $194.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.86% |
| Tangible equity to tangible assets | 11.86% |
| Equity capital to average assets | 12.25% |
| Internal capital growth rate | 8.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $16.2M |
| Retained earnings | $13.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$240K |
| 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 | 13.67% | 13.67% | 14.92% | 10.24% | $191.5M |
| Q4 2023 | 14.02% | 14.02% | 15.24% | 10.79% | $191.6M |
| Q1 2024 | 14.36% | 14.36% | 15.61% | 11.05% | $190.2M |
| Q2 2024 | 14.39% | 14.39% | 15.56% | 10.42% | $193.4M |
| Q3 2024 | 15.47% | 15.47% | 16.72% | 10.85% | $183.0M |
| Q4 2024 | 15.38% | 15.38% | 16.61% | 11.11% | $186.6M |
| Q1 2025 | 15.53% | 15.53% | 16.78% | 11.14% | $187.6M |
| Q2 2025 | 16.49% | 16.49% | 17.72% | 12.04% | $183.4M |
| Q3 2025 | 16.19% | 16.19% | 17.42% | 11.91% | $189.8M |
| Q4 2025 | 16.40% | 16.40% | 17.63% | 11.75% | $186.7M |
| Q1 2026 | 16.76% | 16.76% | 18.01% | 12.10% | $185.3M |
| Q2 2026 | 16.31% | 16.31% | 17.56% | 12.35% | $194.7M |
Peoplefirst Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoplefirst 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 Peoplefirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58597) · FFIEC NIC profile (RSSD 3548763)