Peoples Bank of the South: 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%.
Risk-weighted assets climbed 10.3% in Q2 2026, from $157.1M to $173.3M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Peoples Bank of the South is 18th of 71 on CET1 ratio, 16.49% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Bank of the South sits 1.41 points higher, at 16.49% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.49% |
| Tier 1 risk-based capital ratio | 16.49% |
| Total risk-based capital ratio | 17.64% |
| Tier 1 leverage ratio | 12.43% |
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 | $28.6M |
| Tier 1 capital | $28.6M |
| Total risk-based capital | $30.6M |
| Total equity capital | $27.7M |
| Risk-weighted assets | $173.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.92% |
| Tangible equity to tangible assets | 11.92% |
| Equity capital to average assets | 12.03% |
| Internal capital growth rate | 11.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $410K |
| Common stock surplus | $1.8M |
| Retained earnings | $26.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$846K |
| 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 | 16.57% | 16.57% | 17.82% | 11.35% | $145.0M |
| Q4 2023 | 15.28% | 15.28% | 16.53% | 11.37% | $158.3M |
| Q1 2024 | 16.12% | 16.12% | 17.37% | 11.64% | $152.9M |
| Q2 2024 | 15.98% | 15.98% | 17.23% | 11.64% | $156.8M |
| Q3 2024 | 17.38% | 17.38% | 18.63% | 11.86% | $146.7M |
| Q4 2024 | 15.48% | 15.48% | 16.68% | 11.88% | $167.8M |
| Q1 2025 | 17.42% | 17.42% | 18.67% | 11.88% | $151.2M |
| Q2 2025 | 16.13% | 16.13% | 17.33% | 11.96% | $167.0M |
| Q3 2025 | 17.81% | 17.81% | 19.06% | 12.16% | $152.3M |
| Q4 2025 | 15.52% | 15.52% | 16.67% | 12.06% | $174.4M |
| Q1 2026 | 17.71% | 17.71% | 18.96% | 12.15% | $157.1M |
| Q2 2026 | 16.49% | 16.49% | 17.64% | 12.43% | $173.3M |
Peoples Bank of the South regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of the South, 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 the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4945) · FFIEC NIC profile (RSSD 277736)