The Peoples Bank: 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 Risk-weighted assets, which rose 4.8% to $27.4M. The Peoples Bank ranks 9th of 84 Ohio banks on CET1 ratio, in the upper half at 23.81% (Q2 2026). The Peoples Bank reported 23.81% on CET1 ratio for Q2 2026, 4.25 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.81% |
| Tier 1 risk-based capital ratio | 23.81% |
| Total risk-based capital ratio | 24.67% |
| Tier 1 leverage ratio | 10.81% |
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 | $6.5M |
| Tier 1 capital | $6.5M |
| Total risk-based capital | $6.8M |
| Total equity capital | $5.8M |
| Risk-weighted assets | $27.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.61% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 9.62% |
| Internal capital growth rate | 4.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $194K |
| Common stock surplus | $194K |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$715K |
| 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 | 20.76% | 20.76% | 21.56% | 10.63% | $30.1M |
| Q4 2023 | 21.14% | 21.14% | 21.95% | 10.84% | $29.5M |
| Q1 2024 | 21.75% | 21.75% | 22.56% | 10.75% | $28.5M |
| Q2 2024 | 21.67% | 21.67% | 22.42% | 10.73% | $28.7M |
| Q3 2024 | 22.13% | 22.13% | 23.00% | 10.84% | $28.3M |
| Q4 2024 | 22.53% | 22.53% | 23.47% | 11.00% | $28.0M |
| Q1 2025 | 22.44% | 22.44% | 23.30% | 11.04% | $28.1M |
| Q2 2025 | 22.74% | 22.74% | 23.60% | 10.85% | $28.0M |
| Q3 2025 | 23.32% | 23.32% | 23.81% | 11.11% | $27.5M |
| Q4 2025 | 24.37% | 24.37% | 24.92% | 10.94% | $26.4M |
| Q1 2026 | 24.73% | 24.73% | 25.32% | 11.06% | $26.1M |
| Q2 2026 | 23.81% | 23.81% | 24.67% | 10.81% | $27.4M |
The Peoples Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, 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 The Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 389) · FFIEC NIC profile (RSSD 378110)