Peoples Bank of Kankakee County: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 15.0% lower than in Q1 2026, at -$8.1M. Peoples Bank of Kankakee County ranks 156th of 198 Illinois banks on CET1 ratio, in the lower half at 12.02% (Q2 2026). Peoples Bank of Kankakee County reported 12.02% on CET1 ratio for Q2 2026, 3.06 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 12.93% |
| Tier 1 leverage ratio | 7.67% |
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 | $29.8M |
| Tier 1 capital | $29.8M |
| Total risk-based capital | $32.0M |
| Total equity capital | $21.7M |
| Risk-weighted assets | $247.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.77% |
| Tangible equity to tangible assets | 5.77% |
| Equity capital to average assets | 5.58% |
| Internal capital growth rate | 9.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $617K |
| Common stock surplus | $7.7M |
| Retained earnings | $21.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.1M |
| 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 | 13.55% | 13.55% | 14.43% | 7.97% | $197.1M |
| Q4 2023 | 13.82% | 13.82% | 14.73% | 7.94% | $198.3M |
| Q1 2024 | 13.47% | 13.47% | 14.43% | 8.04% | $203.5M |
| Q2 2024 | 13.70% | 13.70% | 14.67% | 7.87% | $199.9M |
| Q3 2024 | 13.40% | 13.40% | 14.36% | 8.02% | $205.5M |
| Q4 2024 | 13.34% | 13.34% | 14.31% | 7.83% | $207.1M |
| Q1 2025 | 16.09% | 16.09% | 17.06% | 8.97% | $200.6M |
| Q2 2025 | 14.15% | 14.15% | 15.14% | 8.31% | $210.1M |
| Q3 2025 | 13.87% | 13.87% | 14.90% | 7.88% | $203.0M |
| Q4 2025 | 14.01% | 14.01% | 15.04% | 7.82% | $205.1M |
| Q1 2026 | 13.56% | 13.56% | 14.53% | 7.79% | $215.5M |
| Q2 2026 | 12.02% | 12.02% | 12.93% | 7.67% | $247.8M |
Peoples Bank of Kankakee County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Kankakee County, 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 Kankakee County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18566) · FFIEC NIC profile (RSSD 821036)