The Peoples Bank of Georgia: 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%.
Compared with Q1 2026, Retained earnings rose 6.7% in Q2 2026 to $15.2M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.65% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.4M |
| Tier 1 capital | $23.3M |
| Total risk-based capital | — |
| Total equity capital | $22.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.72% |
| Tangible equity to tangible assets | 8.72% |
| Equity capital to average assets | 9.11% |
| Internal capital growth rate | 17.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $77K |
| Common stock surplus | $3.6M |
| Retained earnings | $15.2M |
| Preferred stock and surplus | $4.9M |
| Accumulated other comprehensive income | -$1.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.49% | 8.06% | 8.06% |
| Q4 2023 | 9.59% | 8.64% | 8.64% |
| Q1 2024 | 9.59% | 8.26% | 8.26% |
| Q2 2024 | 9.55% | 8.40% | 8.40% |
| Q3 2024 | 9.66% | 8.81% | 8.81% |
| Q4 2024 | 9.40% | 8.35% | 8.35% |
| Q1 2025 | 9.16% | 8.30% | 8.30% |
| Q2 2025 | 9.23% | 8.45% | 8.45% |
| Q3 2025 | 9.44% | 8.53% | 8.53% |
| Q4 2025 | 9.31% | 8.57% | 8.57% |
| Q1 2026 | 9.54% | 8.90% | 8.90% |
| Q2 2026 | 9.65% | 8.72% | 8.72% |
The Peoples Bank of Georgia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank of Georgia, 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 of Georgia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 170) · FFIEC NIC profile (RSSD 272030)