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 Tangible equity to tangible assets, which rose 0.56 percentage points to 11.68%. Peoples Bank ranks 26th of 45 Louisiana banks on CET1 ratio, in the lower half at 15.75% (Q2 2026). Peoples Bank reported 15.75% on CET1 ratio for Q2 2026, 4.22 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.75% |
| Tier 1 risk-based capital ratio | 15.75% |
| Total risk-based capital ratio | 17.00% |
| Tier 1 leverage ratio | 11.66% |
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 | $9.6M |
| Tier 1 capital | $9.6M |
| Total risk-based capital | $10.4M |
| Total equity capital | $13.2M |
| Risk-weighted assets | $61.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.30% |
| Tangible equity to tangible assets | 11.68% |
| Equity capital to average assets | 15.28% |
| Internal capital growth rate | 14.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.4M |
| Common stock surplus | $0 |
| Retained earnings | $801K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 18.71% | 18.71% | 19.94% | 14.02% | $63.9M |
| Q4 2023 | 14.30% | 14.30% | 15.53% | 10.80% | $62.9M |
| Q1 2024 | 11.38% | 11.38% | 12.55% | 9.13% | $65.1M |
| Q2 2024 | 12.24% | 12.24% | 13.48% | 9.24% | $61.5M |
| Q3 2024 | 12.73% | 12.73% | 13.98% | 9.47% | $60.5M |
| Q4 2024 | 12.00% | 12.00% | 13.25% | 9.18% | $63.5M |
| Q1 2025 | 12.31% | 12.31% | 13.57% | 9.29% | $64.2M |
| Q2 2025 | 13.06% | 13.06% | 14.32% | 9.63% | $63.1M |
| Q3 2025 | 15.01% | 15.01% | 16.26% | 10.85% | $61.5M |
| Q4 2025 | 14.74% | 14.74% | 15.99% | 10.55% | $60.6M |
| Q1 2026 | 15.59% | 15.59% | 16.84% | 11.13% | $59.7M |
| Q2 2026 | 15.75% | 15.75% | 17.00% | 11.66% | $61.2M |
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 9328) · FFIEC NIC profile (RSSD 923257)