Peoples Bank Co.: 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 Common stock surplus: 11.2% higher than in Q1 2026, at $3.0M.
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 | 8.36% |
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 | $12.3M |
| Tier 1 capital | $12.3M |
| Total risk-based capital | — |
| Total equity capital | $12.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.32% |
| Tangible equity to tangible assets | 8.32% |
| Equity capital to average assets | 8.39% |
| Internal capital growth rate | 4.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $3.0M |
| Retained earnings | $9.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $38K |
| 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 | 13.40% | 13.40% | 14.58% | 10.83% | $62.5M |
| Q4 2023 | 12.42% | 12.42% | 13.53% | 9.74% | $68.0M |
| Q1 2024 | 12.27% | 12.27% | 13.38% | 9.46% | $69.6M |
| Q2 2024 | 12.05% | 12.05% | 13.16% | 9.44% | $71.4M |
| Q3 2024 | 12.36% | 12.36% | 13.50% | 9.53% | $70.5M |
| Q4 2024 | 12.06% | 12.06% | 13.19% | 9.46% | $73.3M |
| Q1 2025 | 12.22% | 12.22% | 13.24% | 9.93% | $82.2M |
| Q2 2025 | 12.46% | 12.46% | 13.46% | 9.50% | $86.2M |
| Q3 2025 | 11.97% | 11.97% | 13.03% | 9.21% | $93.6M |
| Q4 2025 | 12.02% | 12.02% | 13.20% | 8.93% | $94.3M |
| Q1 2026 | 11.69% | 11.69% | 12.81% | 8.75% | $101.2M |
| Q2 2026 | — | — | — | 8.36% | — |
Peoples Bank Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12226) · FFIEC NIC profile (RSSD 941541)