The 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%.
Risk-weighted assets rose 3.6% from Q1 2026 to Q2 2026, ending at $505.0M against $487.3M. It was the largest change among the key lines on this page. The Peoples Bank Co. ranks 15th of 84 Ohio banks on CET1 ratio, in the upper half at 20.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Peoples Bank Co. sits 5.45 points higher, at 20.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.52% |
| Tier 1 risk-based capital ratio | 20.52% |
| Total risk-based capital ratio | 21.77% |
| Tier 1 leverage ratio | 11.89% |
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 | $103.6M |
| Tier 1 capital | $103.6M |
| Total risk-based capital | $109.9M |
| Total equity capital | $83.2M |
| Risk-weighted assets | $505.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.69% |
| Tangible equity to tangible assets | 9.68% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 7.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $2.0M |
| Retained earnings | $99.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.5M |
| 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 | 19.10% | 19.10% | 20.21% | 10.79% | $428.3M |
| Q4 2023 | 18.84% | 18.84% | 19.74% | 11.01% | $438.7M |
| Q1 2024 | 19.29% | 19.29% | 20.24% | 11.18% | $435.6M |
| Q2 2024 | 18.94% | 18.94% | 20.12% | 10.51% | $443.9M |
| Q3 2024 | 19.47% | 19.47% | 20.63% | 10.30% | $445.8M |
| Q4 2024 | 19.05% | 19.05% | 20.19% | 10.28% | $460.2M |
| Q1 2025 | 19.80% | 19.80% | 20.90% | 10.77% | $460.3M |
| Q2 2025 | 19.86% | 19.86% | 20.94% | 10.87% | $468.1M |
| Q3 2025 | 20.29% | 20.29% | 21.54% | 11.16% | $471.7M |
| Q4 2025 | 20.74% | 20.74% | 21.95% | 11.52% | $477.8M |
| Q1 2026 | 20.95% | 20.95% | 22.18% | 11.97% | $487.3M |
| Q2 2026 | 20.52% | 20.52% | 21.77% | 11.89% | $505.0M |
The Peoples Bank Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Peoples Bank Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13220) · FFIEC NIC profile (RSSD 702911)