Peoples Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.73% +1.73 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $132.1M | 132,117 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.23B | 1,231,075 | RCOAA224 |
| Recomputed ratio | 10.73% | numerator / denominator | |
| Filed ratio | 10.73% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.73 pp | $21.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 28,314 | 28,314 | 28,314 | 28,314 | 28,314 | 28,314 | RCOAP742 |
| Retained earnings | 111,701 | 106,495 | 102,139 | 98,236 | 94,266 | 90,085 | RCOAKW00 |
| Accumulated other comprehensive income | (1,309) | (2,618) | (1,325) | (2,081) | (4,594) | (3,117) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 138,706 | 132,191 | 129,128 | 124,469 | 117,986 | 115,282 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (6,589) | (5,280) | (6,573) | (5,817) | (3,311) | (4,811) | P859 - P840 |
| Common equity Tier 1 capital | 132,117 | 126,911 | 122,555 | 118,652 | 114,675 | 110,471 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 132,117 | 126,911 | 122,555 | 118,652 | 114,675 | 110,471 | RCOA8274 |
| Tier 2 capital | NA | 13,623 | 12,884 | 12,503 | 11,910 | 11,390 | |
| Allowance includable in Tier 2 capital | NA | 13,623 | 12,884 | 12,503 | 11,910 | 11,390 | |
| Total capital | NA | 140,534 | 135,439 | 131,155 | 126,585 | 121,861 | |
| Total risk-weighted assets | NA | 1,089,682 | 1,030,199 | 1,003,559 | 976,839 | 946,009 | |
| Average total assets for the leverage ratio | 1,231,075 | 1,186,253 | 1,146,683 | 1,115,548 | 1,084,943 | 1,056,260 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.73% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.65% | 11.65% | 12.90% | 10.70% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.90% | 11.90% | 13.15% | 10.69% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.82% | 11.82% | 13.07% | 10.64% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.74% | 11.74% | 12.96% | 10.57% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.68% | 11.68% | 12.88% | 10.46% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.11% | 12.11% | 13.33% | 10.64% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.54% | 12.54% | 13.79% | 11.00% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.34% | 12.34% | 13.54% | 11.00% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.30% | 12.30% | 13.50% | 10.95% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 12.48% | 12.48% | 13.66% | 11.30% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.78% | 12.78% | 14.00% | 11.39% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Peoples Bank (this bank) | CBLR | NA | NA | NA | 10.73% | |
| Corefirst Bank & Trust | $1.26B | Risk-based | 11.78% | 11.78% | 12.81% | 8.66% |
| Northwest Community Bank | $1.26B | Risk-based | 11.99% | 11.99% | 13.11% | 8.72% |
| Iowa State Bank | $1.26B | CBLR | NA | NA | NA | 11.72% |
| Platte Valley Bank | $1.25B | CBLR | NA | NA | NA | 9.54% |
| Bank of Central Florida | $1.25B | Risk-based | 12.53% | 12.53% | 13.55% | 8.75% |
| JD Bank | $1.26B | Risk-based | 16.78% | 16.78% | 17.79% | 11.88% |
| Bank of the Pacific | $1.26B | Risk-based | 16.39% | 16.39% | 17.51% | 10.99% |
| University Bank | $1.24B | CBLR | NA | NA | NA | 10.08% |
| NBKC Bank | $1.24B | Risk-based | 22.05% | 22.05% | 23.30% | 17.13% |
| Peer 25th percentile | 12.13% | 12.13% | 13.22% | 8.75% | ||
| Peer median | 14.46% | 14.46% | 15.53% | 10.08% | ||
| Peer 75th percentile | 16.68% | 16.68% | 17.72% | 11.72% | ||
| This bank's percentile | NA | NA | NA | 56 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/998844/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.