People's Bank and Trust Company of Pickett County: 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 10.85% +1.85 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 | $34.9M | 34,923 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $322.0M | 321,975 | RCOAA224 |
| Recomputed ratio | 10.85% | numerator / denominator | |
| Filed ratio | 10.85% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.85 pp | $5.9M | 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 | 5,105 | 5,105 | 5,105 | 5,105 | 5,105 | 5,105 | RCOAP742 |
| Retained earnings | 29,818 | 28,892 | 28,273 | 27,658 | 27,376 | 26,541 | RCOAKW00 |
| Accumulated other comprehensive income | (1,938) | (1,899) | (1,847) | (1,955) | (2,405) | (2,419) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 32,985 | 32,098 | 31,531 | 30,808 | 30,076 | 29,227 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,938 | 1,899 | 1,847 | 1,955 | 2,405 | 2,419 | P859 - P840 |
| Common equity Tier 1 capital | 34,923 | 33,997 | 33,378 | 32,763 | 32,481 | 31,646 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 34,923 | 33,997 | 33,378 | 32,763 | 32,481 | 31,646 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 321,975 | 315,654 | 310,393 | 308,309 | 301,952 | 295,964 | 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 | 10.85% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.77% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.75% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.76% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.69% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.52% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.72% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.91% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.36% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| People's Bank and Trust Company of Pickett County (this bank) | CBLR | NA | NA | NA | 10.85% | |
| 1NB Bank | $319.0M | CBLR | NA | NA | NA | 10.29% |
| Citizens Bank & Trust Company of Ardmore | $318.8M | Risk-based | 16.44% | 16.44% | 17.43% | 10.60% |
| The First National Bank of Hughes Springs | $319.5M | Risk-based | 17.08% | 17.08% | 18.33% | 11.04% |
| Guaranty Bank and Trust Company | $318.5M | Risk-based | 21.50% | 21.50% | 22.72% | 13.82% |
| Gateway Bank | $319.5M | Risk-based | 11.29% | 11.29% | 12.54% | 8.39% |
| Pacific Crest Bank | $318.5M | Risk-based | 14.79% | 14.79% | 16.05% | 11.14% |
| Alden State Bank | $318.4M | CBLR | NA | NA | NA | 12.71% |
| Community State Bank of Rock Falls | $318.4M | Risk-based | 18.66% | 18.66% | 19.93% | 12.00% |
| Bank of Yazoo City | $318.2M | CBLR | NA | NA | NA | 12.00% |
| Peer 25th percentile | 15.20% | 15.20% | 16.39% | 10.60% | ||
| Peer median | 16.76% | 16.76% | 17.88% | 11.14% | ||
| Peer 75th percentile | 18.27% | 18.27% | 19.53% | 12.00% | ||
| This bank's percentile | NA | NA | NA | 33 |
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/942539/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.