Peoples Bank and Trust Company: 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 Accumulated other comprehensive income, which fell 5.5% to -$24.8M. On CET1 ratio, Peoples Bank and Trust Company is 7th from the bottom among 85 Kansas banks, 11.05% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Peoples Bank and Trust Company sits 2.44 points lower, at 11.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.05% |
| Tier 1 risk-based capital ratio | 11.05% |
| Total risk-based capital ratio | 12.30% |
| Tier 1 leverage ratio | 9.27% |
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 | $146.3M |
| Tier 1 capital | $146.3M |
| Total risk-based capital | $162.9M |
| Total equity capital | $149.4M |
| Risk-weighted assets | $1.32B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.39% |
| Tangible equity to tangible assets | 7.77% |
| Equity capital to average assets | 9.30% |
| Internal capital growth rate | 3.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $86.3M |
| Retained earnings | $87.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.8M |
| 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 | 11.32% | 11.32% | 12.18% | 9.11% | $889.9M |
| Q4 2023 | 11.36% | 11.36% | 12.20% | 9.29% | $906.2M |
| Q1 2024 | 11.74% | 11.74% | 12.63% | 9.30% | $904.8M |
| Q2 2024 | 11.68% | 11.68% | 12.52% | 9.43% | $947.1M |
| Q3 2024 | 11.34% | 11.34% | 12.20% | 9.44% | $1.01B |
| Q4 2024 | 10.95% | 10.95% | 12.00% | 9.32% | $1.06B |
| Q1 2025 | 11.03% | 11.03% | 12.13% | 9.58% | $1.08B |
| Q2 2025 | 10.07% | 10.07% | 11.30% | 8.62% | $1.28B |
| Q3 2025 | 10.34% | 10.34% | 11.58% | 8.74% | $1.30B |
| Q4 2025 | 10.59% | 10.59% | 11.84% | 8.92% | $1.31B |
| Q1 2026 | 10.93% | 10.93% | 12.18% | 9.18% | $1.32B |
| Q2 2026 | 11.05% | 11.05% | 12.30% | 9.27% | $1.32B |
Peoples Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1365) · FFIEC NIC profile (RSSD 153353)