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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 6.8% to -$70.9M. Peoples Bank ranks 64th of 84 Ohio banks on CET1 ratio, in the lower half at 12.30% (Q2 2026). Peoples Bank reported 12.30% on CET1 ratio for Q2 2026, 1.18 points below 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 | 12.30% |
| Tier 1 risk-based capital ratio | 12.30% |
| Total risk-based capital ratio | 13.40% |
| Tier 1 leverage ratio | 9.70% |
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 | $901.4M |
| Tier 1 capital | $901.4M |
| Total risk-based capital | $981.6M |
| Total equity capital | $1.21B |
| Risk-weighted assets | $7.33B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.71% |
| Tangible equity to tangible assets | 9.00% |
| Equity capital to average assets | 12.52% |
| Internal capital growth rate | 4.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $903.7M |
| Retained earnings | $378.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$70.9M |
| 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 | 11.76% | 11.76% | 12.59% | 8.93% | $6.49B |
| Q4 2023 | 11.85% | 11.85% | 12.65% | 9.12% | $6.61B |
| Q1 2024 | 11.94% | 11.94% | 12.85% | 9.09% | $6.66B |
| Q2 2024 | 11.89% | 11.89% | 12.81% | 9.08% | $6.80B |
| Q3 2024 | 11.94% | 11.94% | 12.84% | 9.35% | $6.94B |
| Q4 2024 | 12.07% | 12.07% | 12.99% | 9.48% | $6.96B |
| Q1 2025 | 12.21% | 12.21% | 13.14% | 9.53% | $6.98B |
| Q2 2025 | 12.00% | 12.00% | 13.05% | 9.53% | $7.16B |
| Q3 2025 | 12.13% | 12.13% | 13.18% | 9.43% | $7.22B |
| Q4 2025 | 11.98% | 11.98% | 13.03% | 9.33% | $7.26B |
| Q1 2026 | 12.12% | 12.12% | 13.21% | 9.54% | $7.31B |
| Q2 2026 | 12.30% | 12.30% | 13.40% | 9.70% | $7.33B |
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 6544) · FFIEC NIC profile (RSSD 577128)