People's Bank of Commerce: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 15.33% +6.33 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $119.1M | 119,060 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $776.9M | 776,884 | RCOAA224 |
| Recomputed ratio | 15.33% | numerator / denominator | |
| Filed ratio | 15.33% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +6.33 pp | $49.1M | 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 | 75,066 | 75,065 | 76,004 | 77,891 | 78,065 | 78,628 | RCOAP742 |
| Retained earnings | 47,644 | 45,261 | 43,705 | 41,053 | 38,854 | 36,654 | RCOAKW00 |
| Accumulated other comprehensive income | (7,148) | (7,093) | (7,005) | (7,774) | (8,798) | (10,104) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 115,562 | 113,233 | 112,704 | 111,170 | 108,121 | 105,178 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,498 | 3,433 | 3,335 | 4,094 | 5,108 | 6,407 | P859 - P840 |
| Common equity Tier 1 capital | 119,060 | 116,666 | 116,039 | 115,264 | 113,229 | 111,585 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 119,060 | 116,666 | 116,039 | 115,264 | 113,229 | 111,585 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 776,884 | 782,069 | 819,667 | 819,785 | 818,103 | 815,307 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 15.33% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.92% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 14.16% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 14.06% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.84% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.69% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.56% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 13.35% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 13.22% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.97% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.49% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.52% | 14.65% | 14.67% | 15.79% | 10.60% |
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 |
|---|---|---|---|---|---|---|
| People's Bank of Commerce (this bank) | CBLR | NA | NA | NA | 15.33% | |
| Harford Bank | $776.6M | Risk-based | 13.05% | 13.05% | 14.30% | 9.95% |
| Home State BANK/N.A. | $776.0M | Risk-based | 17.60% | 17.60% | 18.85% | 11.79% |
| Highland Bank | $775.9M | Risk-based | 10.10% | 10.10% | 11.36% | 8.58% |
| Industrial Bank | $774.2M | Risk-based | 25.63% | 25.63% | 26.89% | 15.23% |
| American Bank, N.A. | $773.8M | CBLR | NA | NA | NA | 10.75% |
| Cfsbank | $773.4M | Risk-based | 19.55% | 19.55% | 20.10% | 10.96% |
| Millennium Bank | $780.8M | Risk-based | 9.22% | 9.22% | 10.46% | 7.70% |
| Citizens Bank of West Virginia, Inc. | $772.5M | CBLR | NA | NA | NA | 10.00% |
| First Central State Bank | $772.4M | CBLR | NA | NA | NA | 13.39% |
| Hiawatha National Bank | $781.3M | Risk-based | 14.86% | 14.86% | 16.05% | 10.76% |
| Peer 25th percentile | 11.58% | 11.58% | 12.83% | 9.96% | ||
| Peer median | 14.86% | 14.86% | 16.05% | 10.76% | ||
| Peer 75th percentile | 18.57% | 18.57% | 19.48% | 11.58% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/2661861/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.