Peoples Bank Mt Washington: 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 Risk-weighted assets, which rose 2.8% to $101.8M. Within Kentucky, Peoples Bank Mt Washington is 51st of 69 on CET1 ratio, 12.93% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Bank Mt Washington sits 2.14 points lower, at 12.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.93% |
| Tier 1 risk-based capital ratio | 12.93% |
| Total risk-based capital ratio | 14.15% |
| Tier 1 leverage ratio | 10.59% |
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 | $13.2M |
| Tier 1 capital | $13.2M |
| Total risk-based capital | $14.4M |
| Total equity capital | $9.8M |
| Risk-weighted assets | $101.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.13% |
| Tangible equity to tangible assets | 8.13% |
| Equity capital to average assets | 7.85% |
| Internal capital growth rate | 2.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $271K |
| Common stock surplus | $6.4M |
| Retained earnings | $6.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 14.16% | 14.16% | 15.28% | 10.77% | $85.2M |
| Q4 2023 | 14.40% | 14.40% | 15.53% | 10.75% | $84.2M |
| Q1 2024 | 14.62% | 14.62% | 15.76% | 10.68% | $83.6M |
| Q2 2024 | 14.09% | 14.09% | 15.17% | 10.42% | $87.6M |
| Q3 2024 | 14.25% | 14.25% | 15.35% | 10.44% | $87.5M |
| Q4 2024 | 13.70% | 13.70% | 14.77% | 10.65% | $91.2M |
| Q1 2025 | 14.14% | 14.14% | 15.24% | 10.69% | $89.1M |
| Q2 2025 | 13.73% | 13.73% | 14.82% | 10.28% | $92.6M |
| Q3 2025 | 14.17% | 14.17% | 15.29% | 10.24% | $90.9M |
| Q4 2025 | 13.68% | 13.68% | 14.80% | 10.43% | $94.5M |
| Q1 2026 | 13.22% | 13.22% | 14.33% | 10.62% | $99.0M |
| Q2 2026 | 12.93% | 12.93% | 14.15% | 10.59% | $101.8M |
Peoples Bank Mt Washington regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank Mt Washington, 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 Mt Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5847) · FFIEC NIC profile (RSSD 271341)