The Peoples Bank, Biloxi, Mississippi: 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 standout move of Q2 2026 was in Equity capital to average assets: 0.91 percentage points higher than in Q1 2026, at 12.80%.
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 | 15.22% |
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 | $118.1M |
| Tier 1 capital | $118.1M |
| Total risk-based capital | — |
| Total equity capital | $100.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.08% |
| Tangible equity to tangible assets | 13.04% |
| Equity capital to average assets | 12.80% |
| Internal capital growth rate | -0.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $365K |
| Common stock surplus | $75.0M |
| Retained earnings | $54.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$28.9M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.99% | 7.18% | 7.11% |
| Q4 2023 | 12.59% | 8.59% | 8.53% |
| Q1 2024 | 11.48% | 7.51% | 7.46% |
| Q2 2024 | 11.84% | 8.60% | 8.54% |
| Q3 2024 | 13.48% | 11.67% | 11.62% |
| Q4 2024 | 13.95% | 10.72% | 10.67% |
| Q1 2025 | 13.32% | 10.81% | 10.77% |
| Q2 2025 | 13.97% | 12.57% | 12.52% |
| Q3 2025 | 15.19% | 13.09% | 13.04% |
| Q4 2025 | 15.76% | 13.73% | 13.68% |
| Q1 2026 | 14.15% | 12.77% | 12.72% |
| Q2 2026 | 15.22% | 13.08% | 13.04% |
The Peoples Bank, Biloxi, Mississippi regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, Biloxi, Mississippi, 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 The Peoples Bank, Biloxi, Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 340) · FFIEC NIC profile (RSSD 870539)