Peoples Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.33% +4.33 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $41.0M | 41,028 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $307.7M | 307,682 | RCOAA224 |
| Recomputed ratio | 13.33% | numerator / denominator | |
| Filed ratio | 13.33% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.33 pp | $13.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 5,957 | 5,957 | 5,957 | 5,957 | 5,957 | 5,957 | RCOAP742 |
| Retained earnings | 35,071 | 33,900 | 32,868 | 32,661 | 31,611 | 30,592 | RCOAKW00 |
| Accumulated other comprehensive income | (1,976) | (1,926) | (1,441) | (1,872) | (2,808) | (3,007) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 39,052 | 37,931 | 37,384 | 36,746 | 34,760 | 33,542 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,976 | 1,926 | 1,441 | 1,872 | 2,808 | 3,007 | P859 - P840 |
| Common equity Tier 1 capital | 41,028 | 39,857 | 38,825 | 38,618 | 37,568 | 36,549 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 41,028 | 39,857 | 38,825 | 38,618 | 37,568 | 36,549 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 307,682 | 297,706 | 289,580 | 280,585 | 278,600 | 267,186 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.33% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.39% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.41% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.76% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.48% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.68% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.54% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.20% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.47% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.87% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.73% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 15.28% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Peoples Bank (this bank) | CBLR | NA | NA | NA | 13.33% | |
| Tri-County Bank & Trust Company | $313.9M | CBLR | NA | NA | NA | 9.09% |
| Citizens Independent Bank | $314.2M | Risk-based | 17.44% | 17.44% | 18.29% | 12.31% |
| The Payne County Bank | $313.2M | CBLR | NA | NA | NA | 14.39% |
| Classic City Bank | $314.3M | CBLR | NA | NA | NA | 11.04% |
| Patrons Bank, N.A. | $314.5M | Risk-based | 13.04% | 13.04% | 14.23% | 10.77% |
| State Bank of Graymont | $312.7M | CBLR | NA | NA | NA | 11.77% |
| Seneca Savings Bank, N.A. | $312.5M | CBLR | NA | NA | NA | 9.84% |
| Neighborhood National Bank | $312.2M | Risk-based | 16.54% | 16.54% | 17.56% | 11.24% |
| The Union Bank | $312.2M | CBLR | NA | NA | NA | 10.12% |
| Peer 25th percentile | 14.79% | 14.79% | 15.89% | 10.12% | ||
| Peer median | 16.54% | 16.54% | 17.56% | 11.04% | ||
| Peer 75th percentile | 16.99% | 16.99% | 17.93% | 11.77% | ||
| This bank's percentile | NA | NA | NA | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2939391/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.