Peoples 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Total equity capital edged up by 2.4%, from $15.0M to $15.3M, the largest move among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.56% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.1M |
| Tier 1 capital | $18.1M |
| Total risk-based capital | — |
| Total equity capital | $15.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.26% |
| Tangible equity to tangible assets | 8.26% |
| Equity capital to average assets | 8.11% |
| Internal capital growth rate | 4.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $583K |
| Common stock surplus | $10.4M |
| Retained earnings | $7.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.16% | 6.30% | 6.30% |
| Q4 2023 | 9.38% | 7.35% | 7.35% |
| Q1 2024 | 9.61% | 7.31% | 7.31% |
| Q2 2024 | 9.75% | 7.59% | 7.59% |
| Q3 2024 | 9.87% | 8.31% | 8.31% |
| Q4 2024 | 9.78% | 7.74% | 7.74% |
| Q1 2025 | 9.91% | 7.85% | 7.85% |
| Q2 2025 | 9.87% | 8.13% | 8.13% |
| Q3 2025 | 9.99% | 8.33% | 8.33% |
| Q4 2025 | 9.71% | 8.46% | 8.46% |
| Q1 2026 | 9.80% | 8.10% | 8.10% |
| Q2 2026 | 9.56% | 8.26% | 8.26% |
Peoples Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples 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 Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27398) · FFIEC NIC profile (RSSD 1293078)