Peoples Bank of Alabama: 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 Accumulated other comprehensive income, which fell 3.8% to -$22.9M. Peoples Bank of Alabama ranks 14th of 36 Alabama banks on CET1 ratio, in the upper half at 15.73% (Q2 2026). Peoples Bank of Alabama reported 15.73% on CET1 ratio for Q2 2026, 2.25 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.73% |
| Tier 1 risk-based capital ratio | 15.73% |
| Total risk-based capital ratio | 16.98% |
| Tier 1 leverage ratio | 11.19% |
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 | $161.1M |
| Tier 1 capital | $161.1M |
| Total risk-based capital | $174.0M |
| Total equity capital | $143.7M |
| Risk-weighted assets | $1.02B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.09% |
| Tangible equity to tangible assets | 9.74% |
| Equity capital to average assets | 9.94% |
| Internal capital growth rate | 3.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20K |
| Common stock surplus | $29.9M |
| Retained earnings | $136.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.9M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.99% | 12.99% | 14.25% | 10.18% | $941.8M |
| Q4 2023 | 13.49% | 13.49% | 14.74% | 10.46% | $950.4M |
| Q1 2024 | 13.45% | 13.45% | 14.71% | 10.44% | $965.2M |
| Q2 2024 | 14.06% | 14.06% | 15.31% | 9.94% | $948.4M |
| Q3 2024 | 14.40% | 14.40% | 15.66% | 10.03% | $946.0M |
| Q4 2024 | 14.64% | 14.64% | 15.89% | 10.32% | $973.7M |
| Q1 2025 | 14.71% | 14.71% | 15.96% | 10.15% | $978.2M |
| Q2 2025 | 14.96% | 14.96% | 16.22% | 10.18% | $981.0M |
| Q3 2025 | 15.21% | 15.21% | 16.46% | 10.42% | $991.0M |
| Q4 2025 | 15.77% | 15.77% | 17.03% | 11.00% | $1.00B |
| Q1 2026 | 15.58% | 15.58% | 16.83% | 11.17% | $1.02B |
| Q2 2026 | 15.73% | 15.73% | 16.98% | 11.19% | $1.02B |
Peoples Bank of Alabama regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Alabama, 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 of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22537) · FFIEC NIC profile (RSSD 60330)