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.
Compared with Q1 2026, Total equity capital rose 3.4% in Q2 2026 to $176.9M, the biggest move on this page. Within Indiana, Peoples Bank is 37th of 50 on CET1 ratio, 11.81% as of Q2 2026. Peoples Bank reported 11.81% on CET1 ratio for Q2 2026, 1.69 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.81% |
| Tier 1 risk-based capital ratio | 11.81% |
| Total risk-based capital ratio | 13.03% |
| Tier 1 leverage ratio | 9.31% |
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 | $190.0M |
| Tier 1 capital | $190.0M |
| Total risk-based capital | $209.6M |
| Total equity capital | $176.9M |
| Risk-weighted assets | $1.61B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.67% |
| Tangible equity to tangible assets | 7.61% |
| Equity capital to average assets | 8.56% |
| Internal capital growth rate | 3.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $344K |
| Common stock surplus | $113.5M |
| Retained earnings | $104.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$41.5M |
| 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 | 10.17% | 10.17% | 11.12% | 7.81% | $1.64B |
| Q4 2023 | 10.43% | 10.43% | 11.36% | 7.78% | $1.61B |
| Q1 2024 | 10.89% | 10.89% | 11.92% | 8.24% | $1.62B |
| Q2 2024 | 10.94% | 10.94% | 11.95% | 8.32% | $1.61B |
| Q3 2024 | 11.10% | 11.10% | 12.14% | 8.38% | $1.60B |
| Q4 2024 | 11.26% | 11.26% | 12.19% | 8.47% | $1.59B |
| Q1 2025 | 11.02% | 11.02% | 12.27% | 8.48% | $1.62B |
| Q2 2025 | 11.30% | 11.30% | 12.55% | 8.69% | $1.61B |
| Q3 2025 | 11.49% | 11.49% | 12.72% | 8.77% | $1.61B |
| Q4 2025 | 11.86% | 11.86% | 13.09% | 8.93% | $1.57B |
| Q1 2026 | 12.03% | 12.03% | 13.27% | 9.24% | $1.56B |
| Q2 2026 | 11.81% | 11.81% | 13.03% | 9.31% | $1.61B |
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 29523) · FFIEC NIC profile (RSSD 568470)