Peoples Bank of Kentucky, Inc.: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.1% to $58.7M. Peoples Bank of Kentucky, Inc. ranks 27th of 69 Kentucky banks on CET1 ratio, in the upper half at 16.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Bank of Kentucky, Inc. sits 1.20 points higher, at 16.27% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.27% |
| Tier 1 risk-based capital ratio | 16.27% |
| Total risk-based capital ratio | 17.54% |
| Tier 1 leverage ratio | 11.13% |
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 | $63.3M |
| Tier 1 capital | $63.3M |
| Total risk-based capital | $68.2M |
| Total equity capital | $62.3M |
| Risk-weighted assets | $388.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.03% |
| Tangible equity to tangible assets | 10.96% |
| Equity capital to average assets | 10.95% |
| Internal capital growth rate | 15.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $4.2M |
| Retained earnings | $58.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | — | — | — | 10.76% | — |
| Q4 2023 | 13.26% | 13.26% | 14.52% | 10.53% | $381.3M |
| Q1 2024 | 13.76% | 13.76% | 15.02% | 10.71% | $380.2M |
| Q2 2024 | 14.00% | 14.00% | 15.27% | 10.91% | $383.5M |
| Q3 2024 | 14.47% | 14.47% | 15.73% | 11.09% | $384.7M |
| Q4 2024 | 14.57% | 14.57% | 15.83% | 11.31% | $385.9M |
| Q1 2025 | 14.13% | 14.13% | 15.39% | 11.70% | $409.9M |
| Q2 2025 | 14.88% | 14.88% | 16.15% | 11.70% | $398.5M |
| Q3 2025 | 15.25% | 15.25% | 16.52% | 12.08% | $401.1M |
| Q4 2025 | 15.61% | 15.61% | 16.88% | 11.43% | $397.7M |
| Q1 2026 | 15.64% | 15.64% | 16.92% | 11.30% | $389.0M |
| Q2 2026 | 16.27% | 16.27% | 17.54% | 11.13% | $388.9M |
Peoples Bank of Kentucky, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Kentucky, Inc., 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 Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16970) · FFIEC NIC profile (RSSD 995517)