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%.
Compared with Q1 2026, Risk-weighted assets rose 7.5% in Q2 2026 to $385.9M, the biggest move on this page. Peoples Bank ranks 28th of 71 Tennessee banks on CET1 ratio, in the upper half at 14.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Bank sits 0.72 points lower, at 14.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 12.72% |
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 | $55.4M |
| Tier 1 capital | $55.4M |
| Total risk-based capital | $58.9M |
| Total equity capital | $54.2M |
| Risk-weighted assets | $385.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.16% |
| Tangible equity to tangible assets | 12.16% |
| Equity capital to average assets | 12.43% |
| Internal capital growth rate | 9.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $125K |
| Common stock surplus | $7.5M |
| Retained earnings | $47.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 13.82% | 13.82% | 14.83% | 11.89% | $291.5M |
| Q4 2023 | 14.02% | 14.02% | 15.02% | 11.80% | $292.9M |
| Q1 2024 | 13.98% | 13.98% | 14.92% | 12.02% | $307.6M |
| Q2 2024 | 14.27% | 14.27% | 15.26% | 11.96% | $314.4M |
| Q3 2024 | 15.24% | 15.24% | 16.26% | 12.24% | $307.2M |
| Q4 2024 | 14.99% | 14.99% | 16.06% | 12.23% | $318.4M |
| Q1 2025 | 15.72% | 15.72% | 16.79% | 12.31% | $313.1M |
| Q2 2025 | 16.29% | 16.29% | 17.34% | 12.43% | $312.2M |
| Q3 2025 | 16.45% | 16.45% | 17.50% | 13.19% | $318.4M |
| Q4 2025 | 15.87% | 15.87% | 16.88% | 12.99% | $331.2M |
| Q1 2026 | 15.14% | 15.14% | 16.09% | 13.24% | $359.1M |
| Q2 2026 | 14.35% | 14.35% | 15.26% | 12.72% | $385.9M |
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 9489) · FFIEC NIC profile (RSSD 148238)