Peoples Bank the: 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%.
Accumulated other comprehensive income rose 6.0% from Q1 2026 to Q2 2026, ending at -$8.3M against -$8.8M. It was the largest change among the key lines on this page. Peoples Bank the ranks 12th of 30 South Carolina banks on CET1 ratio, in the upper half at 18.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Bank the sits 3.12 points higher, at 18.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.19% |
| Tier 1 risk-based capital ratio | 18.19% |
| Total risk-based capital ratio | 19.33% |
| Tier 1 leverage ratio | 12.92% |
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 | $58.2M |
| Tier 1 capital | $58.2M |
| Total risk-based capital | $61.9M |
| Total equity capital | $49.9M |
| Risk-weighted assets | $319.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.17% |
| Tangible equity to tangible assets | 11.17% |
| Equity capital to average assets | 11.08% |
| Internal capital growth rate | 15.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $10.0M |
| Retained earnings | $45.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.73% | 17.73% | 18.81% | 11.52% | $269.1M |
| Q4 2023 | 17.08% | 17.08% | 18.13% | 11.18% | $273.0M |
| Q1 2024 | 17.23% | 17.23% | 18.26% | 11.64% | $279.3M |
| Q2 2024 | 17.70% | 17.70% | 18.76% | 11.86% | $281.2M |
| Q3 2024 | 18.39% | 18.39% | 19.49% | 12.11% | $280.3M |
| Q4 2024 | 17.50% | 17.50% | 18.60% | 11.76% | $289.7M |
| Q1 2025 | 17.46% | 17.46% | 18.55% | 12.05% | $300.0M |
| Q2 2025 | 18.02% | 18.02% | 19.14% | 12.23% | $300.1M |
| Q3 2025 | 17.97% | 17.97% | 19.07% | 12.54% | $311.0M |
| Q4 2025 | 17.46% | 17.46% | 18.58% | 12.11% | $312.3M |
| Q1 2026 | 17.87% | 17.87% | 19.01% | 12.57% | $315.1M |
| Q2 2026 | 18.19% | 18.19% | 19.33% | 12.92% | $319.9M |
Peoples Bank the regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank the, 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 the profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16968) · FFIEC NIC profile (RSSD 285928)