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 climbed 50.0% in Q2 2026, from -$2.6M to -$1.3M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.73% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $132.1M |
| Tier 1 capital | $132.1M |
| Total risk-based capital | — |
| Total equity capital | $138.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.07% |
| Tangible equity to tangible assets | 10.51% |
| Equity capital to average assets | 11.20% |
| Internal capital growth rate | 15.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $284K |
| Common stock surplus | $28.0M |
| Retained earnings | $111.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 12.78% | 12.78% | 14.00% | 11.39% | $781.4M |
| Q4 2023 | 12.48% | 12.48% | 13.66% | 11.30% | $822.7M |
| Q1 2024 | 12.30% | 12.30% | 13.50% | 10.95% | $833.2M |
| Q2 2024 | 12.34% | 12.34% | 13.54% | 11.00% | $853.2M |
| Q3 2024 | 12.54% | 12.54% | 13.79% | 11.00% | $861.5M |
| Q4 2024 | 12.11% | 12.11% | 13.33% | 10.64% | $906.0M |
| Q1 2025 | 11.68% | 11.68% | 12.88% | 10.46% | $946.0M |
| Q2 2025 | 11.74% | 11.74% | 12.96% | 10.57% | $976.8M |
| Q3 2025 | 11.82% | 11.82% | 13.07% | 10.64% | $1.00B |
| Q4 2025 | 11.90% | 11.90% | 13.15% | 10.69% | $1.03B |
| Q1 2026 | 11.65% | 11.65% | 12.90% | 10.70% | $1.09B |
| Q2 2026 | — | — | — | 10.73% | — |
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 16265) · FFIEC NIC profile (RSSD 998844)