Peoples Bank of Graceville: 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, Accumulated other comprehensive income rose 5.1% in Q2 2026 to -$3.8M, the biggest move on this page. On CET1 ratio, Peoples Bank of Graceville ranks 4th highest among the 56 banks headquartered in Florida, at 30.21% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Peoples Bank of Graceville reported 30.21% on CET1 ratio in Q2 2026, 15.14 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 30.21% |
| Tier 1 risk-based capital ratio | 30.21% |
| Total risk-based capital ratio | 31.22% |
| Tier 1 leverage ratio | 10.29% |
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 | $12.4M |
| Tier 1 capital | $12.4M |
| Total risk-based capital | $12.8M |
| Total equity capital | $8.6M |
| Risk-weighted assets | $41.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.41% |
| Tangible equity to tangible assets | 7.41% |
| Equity capital to average assets | 7.13% |
| Internal capital growth rate | 9.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $1.1M |
| Retained earnings | $11.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 30.30% | 30.30% | 31.31% | 10.59% | $40.0M |
| Q4 2023 | 29.59% | 29.59% | 30.62% | 10.36% | $40.1M |
| Q1 2024 | 29.25% | 29.25% | 30.26% | 10.23% | $40.9M |
| Q2 2024 | 29.43% | 29.43% | 30.44% | 10.39% | $41.0M |
| Q3 2024 | 30.01% | 30.01% | 31.02% | 10.58% | $40.5M |
| Q4 2024 | 28.96% | 28.96% | 29.95% | 10.55% | $41.2M |
| Q1 2025 | 29.85% | 29.85% | 30.89% | 10.48% | $40.3M |
| Q2 2025 | 31.36% | 31.36% | 32.43% | 10.68% | $38.7M |
| Q3 2025 | 29.98% | 29.98% | 30.99% | 10.69% | $40.9M |
| Q4 2025 | 29.63% | 29.63% | 30.66% | 10.09% | $40.6M |
| Q1 2026 | 29.39% | 29.39% | 30.39% | 10.21% | $41.5M |
| Q2 2026 | 30.21% | 30.21% | 31.22% | 10.29% | $41.0M |
Peoples Bank of Graceville regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Graceville, 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 Graceville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21692) · FFIEC NIC profile (RSSD 717232)