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 standout move of Q2 2026 was in Accumulated other comprehensive income: 38.1% higher than in Q1 2026, at -$1.6M. Within Mississippi, Peoples Bank is 11th of 20 on CET1 ratio, 15.25% as of Q2 2026, below the middle of the field. At 15.25%, Peoples Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.25% |
| Tier 1 risk-based capital ratio | 15.25% |
| Total risk-based capital ratio | 16.50% |
| Tier 1 leverage ratio | 11.72% |
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 | $57.7M |
| Tier 1 capital | $57.7M |
| Total risk-based capital | $62.4M |
| Total equity capital | $56.4M |
| Risk-weighted assets | $378.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.19% |
| Tangible equity to tangible assets | 11.15% |
| Equity capital to average assets | 11.44% |
| Internal capital growth rate | 31.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $17.5M |
| Retained earnings | $39.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 17.39% | 17.39% | 18.64% | 12.94% | $327.9M |
| Q4 2023 | 18.08% | 18.08% | 19.34% | 13.90% | $338.5M |
| Q1 2024 | 14.58% | 14.58% | 15.84% | 11.15% | $351.7M |
| Q2 2024 | 16.26% | 16.26% | 17.52% | 11.40% | $334.1M |
| Q3 2024 | 15.59% | 15.59% | 16.85% | 11.38% | $335.8M |
| Q4 2024 | 15.10% | 15.10% | 16.36% | 11.53% | $347.3M |
| Q1 2025 | 16.60% | 16.60% | 17.86% | 12.71% | $351.1M |
| Q2 2025 | 16.53% | 16.53% | 17.79% | 12.84% | $355.3M |
| Q3 2025 | 16.18% | 16.18% | 17.44% | 12.24% | $354.9M |
| Q4 2025 | 15.82% | 15.82% | 17.07% | 12.18% | $364.9M |
| Q1 2026 | 14.46% | 14.46% | 15.72% | 10.91% | $371.0M |
| Q2 2026 | 15.25% | 15.25% | 16.50% | 11.72% | $378.5M |
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 9366) · FFIEC NIC profile (RSSD 70638)