Peoples Bank of Alabama: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.98% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.98% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.73% +9.23 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $161.1M | 161,139 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.02B | 1,024,341 | RCOAA223 |
| Recomputed ratio | 15.73% | numerator / denominator | |
| Filed ratio | 15.73% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.23 pp | $94.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.73% +7.73 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $161.1M | 161,139 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.02B | 1,024,341 | RCOAA223 |
| Recomputed ratio | 15.73% | numerator / denominator | |
| Filed ratio | 15.73% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.73 pp | $79.2M | capital that could be lost first |
Total risk-based capital ratio 16.98% +6.98 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $174.0M | 173,972 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.02B | 1,024,341 | RCOAA223 |
| Recomputed ratio | 16.98% | numerator / denominator | |
| Filed ratio | 16.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.98 pp | $71.5M | capital that could be lost first |
Tier 1 leverage ratio 11.19% +6.19 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $161.1M | 161,139 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.44B | 1,440,194 | RCOAA224 |
| Recomputed ratio | 11.19% | numerator / denominator | |
| Filed ratio | 11.19% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.19 pp | $89.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 29,942 | 29,700 | 29,458 | 29,250 | 29,041 | 28,833 | RCOAP742 |
| Retained earnings | 136,737 | 135,544 | 134,274 | 127,150 | 123,458 | 120,791 | RCOAKW00 |
| Accumulated other comprehensive income | (22,937) | (22,099) | (21,645) | (21,717) | (27,450) | (27,085) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 143,742 | 143,145 | 142,087 | 134,683 | 125,049 | 122,539 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 17,397 | 16,515 | 16,015 | 16,042 | 21,727 | 21,312 | P859 - P840 |
| Common equity Tier 1 capital | 161,139 | 159,660 | 158,102 | 150,725 | 146,776 | 143,851 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 161,139 | 159,660 | 158,102 | 150,725 | 146,776 | 143,851 | RCOA8274 |
| Tier 2 capital | 12,833 | 12,841 | 12,563 | 12,424 | 12,303 | 12,268 | RCOA5311 |
| Allowance includable in Tier 2 capital | 12,833 | 12,841 | 12,563 | 12,424 | 12,303 | 12,268 | RCOA5310 |
| Total capital | 173,972 | 172,501 | 170,665 | 163,149 | 159,079 | 156,119 | RCOA3792 |
| Total risk-weighted assets | 1,024,341 | 1,024,868 | 1,002,378 | 991,000 | 981,048 | 978,157 | RCOAA223 |
| Average total assets for the leverage ratio | 1,440,194 | 1,429,564 | 1,437,929 | 1,446,959 | 1,441,129 | 1,417,865 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $207.9M | $13K | 0.01% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $240.1M | $52.5M | 21.88% | 5.12% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $25.0M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $186.5M | $115.3M | 61.81% | 11.23% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $5.0M | $7.4M | 150.00% | 0.72% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $3.1M | $4.7M | 150.00% | 0.46% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $728.4M | $724.4M | 99.45% | 70.56% | RC-R Part II, item 4.d, 5.d |
| All other assets | $41.9M | $40.2M | 95.81% | 3.91% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $59.0M | $59.0M | 100.00% | 5.75% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $2.4M | $1.2M | 50.00% | 0.12% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $21.9M | NA | 2.13% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.00B | does not tie to item 31 ($1.01B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.03B | RCONB704 |
| Less: excess allowance for credit losses | $2.3M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.02B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.73% | 15.73% | 16.98% | 11.19% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.58% | 15.58% | 16.83% | 11.17% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.77% | 15.77% | 17.03% | 11.00% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.21% | 15.21% | 16.46% | 10.42% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.96% | 14.96% | 16.22% | 10.18% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.71% | 14.71% | 15.96% | 10.15% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.64% | 14.64% | 15.89% | 10.32% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.40% | 14.40% | 15.66% | 10.03% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.06% | 14.06% | 15.31% | 9.94% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.45% | 13.45% | 14.71% | 9.95% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.49% | 13.49% | 14.74% | 9.85% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 12.99% | 12.99% | 14.25% | 9.64% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Peoples Bank of Alabama (this bank) | Risk-based | 15.73% | 15.73% | 16.98% | 11.19% | |
| Rio Bank | $1.42B | Risk-based | 13.75% | 13.75% | 14.87% | 10.03% |
| Citizens Bank | $1.42B | Risk-based | 14.20% | 14.20% | 15.01% | 12.65% |
| Armed Forces Bank, N.A. | $1.42B | Risk-based | 24.61% | 24.61% | 25.86% | 13.92% |
| Gbank | $1.43B | CBLR | NA | NA | NA | 13.15% |
| First Federal Savings Bank of Twin Falls | $1.42B | Risk-based | 13.30% | 13.30% | 14.26% | 10.43% |
| The Bennington State Bank | $1.42B | Risk-based | 13.85% | 13.85% | 15.11% | 9.51% |
| Relyance Bank | $1.43B | Risk-based | 14.69% | 14.69% | 15.77% | 13.27% |
| Central Bank | $1.42B | Risk-based | 12.93% | 12.93% | 13.98% | 10.07% |
| Peer 25th percentile | 13.52% | 13.52% | 14.56% | 10.06% | ||
| Peer median | 13.85% | 13.85% | 15.01% | 11.54% | ||
| Peer 75th percentile | 14.44% | 14.44% | 15.44% | 13.18% | ||
| This bank's percentile | 86 | 86 | 86 | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/60330/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.