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%.
Accumulated other comprehensive income rose 5.7% from Q1 2026 to Q2 2026, ending at -$12.0M against -$12.7M. It was the largest change among the key lines on this page. Peoples Bank has the 9th lowest CET1 ratio of the 114 banks headquartered in Iowa, at 10.79% as of Q2 2026. Peoples Bank reported 10.79% on CET1 ratio for Q2 2026, 4.28 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 11.60% |
| Tier 1 leverage ratio | 8.09% |
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 | $41.7M |
| Tier 1 capital | $41.7M |
| Total risk-based capital | $44.8M |
| Total equity capital | $43.3M |
| Risk-weighted assets | $386.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.17% |
| Tangible equity to tangible assets | 5.76% |
| Equity capital to average assets | 8.18% |
| Internal capital growth rate | -3.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $41.4M |
| Retained earnings | $13.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.0M |
| 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 | 10.27% | 10.27% | 11.17% | 8.41% | $352.7M |
| Q4 2023 | 9.80% | 9.80% | 10.66% | 8.47% | $372.3M |
| Q1 2024 | 10.40% | 10.40% | 11.30% | 8.28% | $352.1M |
| Q2 2024 | 10.64% | 10.64% | 11.56% | 8.33% | $343.1M |
| Q3 2024 | 10.50% | 10.50% | 11.17% | 8.22% | $352.0M |
| Q4 2024 | 10.72% | 10.72% | 11.39% | 8.09% | $350.2M |
| Q1 2025 | 10.95% | 10.95% | 11.63% | 8.17% | $348.7M |
| Q2 2025 | 11.04% | 11.04% | 11.76% | 8.35% | $355.1M |
| Q3 2025 | 10.92% | 10.92% | 11.64% | 8.47% | $368.8M |
| Q4 2025 | 10.86% | 10.86% | 11.61% | 8.34% | $369.6M |
| Q1 2026 | 11.04% | 11.04% | 11.81% | 8.44% | $381.3M |
| Q2 2026 | 10.79% | 10.79% | 11.60% | 8.09% | $386.5M |
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 14692) · FFIEC NIC profile (RSSD 968249)