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%.
Accumulated other comprehensive income fell 3.0% from Q1 2026 to Q2 2026, ending at -$29.5M against -$28.6M. It was the largest change among the key lines on this page. Peoples Bank ranks 14th of 26 North Carolina banks on CET1 ratio, in the lower half at 14.55% (Q2 2026). Peoples Bank reported 14.55% on CET1 ratio for Q2 2026, 1.07 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 11.50% |
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 | $204.1M |
| Tier 1 capital | $204.1M |
| Total risk-based capital | $216.3M |
| Total equity capital | $174.6M |
| Risk-weighted assets | $1.40B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.89% |
| Tangible equity to tangible assets | 9.89% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 9.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $14.6M |
| Common stock surplus | $38.6M |
| Retained earnings | $150.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.5M |
| 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 | 13.55% | 13.55% | 14.53% | 10.36% | $1.27B |
| Q4 2023 | 13.83% | 13.83% | 14.85% | 10.35% | $1.26B |
| Q1 2024 | 13.73% | 13.73% | 14.72% | 10.23% | $1.27B |
| Q2 2024 | 14.04% | 14.04% | 14.95% | 10.43% | $1.27B |
| Q3 2024 | 14.23% | 14.23% | 15.16% | 10.61% | $1.27B |
| Q4 2024 | 14.35% | 14.35% | 15.22% | 10.71% | $1.28B |
| Q1 2025 | 14.45% | 14.45% | 15.34% | 10.90% | $1.28B |
| Q2 2025 | 14.79% | 14.79% | 15.65% | 10.95% | $1.28B |
| Q3 2025 | 14.70% | 14.70% | 15.58% | 10.88% | $1.31B |
| Q4 2025 | 14.83% | 14.83% | 15.70% | 11.13% | $1.33B |
| Q1 2026 | 14.62% | 14.62% | 15.50% | 11.39% | $1.37B |
| Q2 2026 | 14.55% | 14.55% | 15.42% | 11.50% | $1.40B |
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 5956) · FFIEC NIC profile (RSSD 220527)