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%.
Compared with Q1 2026, Retained earnings rose 4.2% in Q2 2026 to $14.7M, the biggest move on this page. Peoples Bank ranks 16th of 79 Georgia banks on CET1 ratio, in the upper half at 22.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Bank sits 7.05 points higher, at 22.12% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.12% |
| Tier 1 risk-based capital ratio | 22.12% |
| Total risk-based capital ratio | 23.38% |
| Tier 1 leverage ratio | 11.18% |
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 | $21.2M |
| Tier 1 capital | $21.2M |
| Total risk-based capital | $22.4M |
| Total equity capital | $21.0M |
| Risk-weighted assets | $95.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.89% |
| Tangible equity to tangible assets | 10.89% |
| Equity capital to average assets | 11.01% |
| Internal capital growth rate | 11.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $775K |
| Common stock surplus | $5.7M |
| Retained earnings | $14.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$226K |
| 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 | 21.85% | 21.85% | 23.12% | 10.67% | $74.1M |
| Q4 2023 | 21.17% | 21.17% | 22.43% | 10.74% | $78.7M |
| Q1 2024 | 22.22% | 22.22% | 23.48% | 11.10% | $77.8M |
| Q2 2024 | 23.00% | 23.00% | 24.26% | 11.09% | $77.8M |
| Q3 2024 | 22.15% | 22.15% | 23.41% | 11.52% | $83.1M |
| Q4 2024 | 21.42% | 21.42% | 22.68% | 10.96% | $87.3M |
| Q1 2025 | 23.06% | 23.06% | 24.32% | 10.92% | $83.7M |
| Q2 2025 | 22.92% | 22.92% | 24.17% | 11.01% | $86.9M |
| Q3 2025 | 22.24% | 22.24% | 23.49% | 10.15% | $87.2M |
| Q4 2025 | 24.24% | 24.24% | 25.50% | 10.45% | $82.5M |
| Q1 2026 | 21.33% | 21.33% | 22.59% | 10.82% | $96.5M |
| Q2 2026 | 22.12% | 22.12% | 23.38% | 11.18% | $95.8M |
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 15216) · FFIEC NIC profile (RSSD 715032)