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%.
Compared with Q1 2026, Equity capital to total assets rose 0.42 percentage points in Q2 2026 to 7.70%, the biggest move on this page. Within Kansas, The Peoples Bank is 35th of 85 on CET1 ratio, 15.52% 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. The Peoples Bank sits 0.45 points higher, at 15.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.52% |
| Tier 1 risk-based capital ratio | 15.52% |
| Total risk-based capital ratio | 16.77% |
| Tier 1 leverage ratio | 9.29% |
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 | $49.4M |
| Tier 1 capital | $49.4M |
| Total risk-based capital | $53.4M |
| Total equity capital | $40.9M |
| Risk-weighted assets | $318.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.70% |
| Tangible equity to tangible assets | 6.04% |
| Equity capital to average assets | 7.57% |
| Internal capital growth rate | 4.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $10.2M |
| Retained earnings | $44.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.9M |
| 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 | 15.23% | 15.23% | 16.45% | 9.67% | $300.5M |
| Q4 2023 | 15.50% | 15.50% | 16.66% | 9.83% | $296.9M |
| Q1 2024 | 15.85% | 15.85% | 17.07% | 9.04% | $292.7M |
| Q2 2024 | 15.95% | 15.95% | 17.17% | 9.25% | $292.2M |
| Q3 2024 | 15.20% | 15.20% | 16.37% | 8.92% | $302.0M |
| Q4 2024 | 14.61% | 14.61% | 15.74% | 8.94% | $317.3M |
| Q1 2025 | 14.95% | 14.95% | 15.94% | 8.80% | $309.6M |
| Q2 2025 | 14.88% | 14.88% | 15.95% | 8.64% | $309.1M |
| Q3 2025 | 15.06% | 15.06% | 16.26% | 8.88% | $314.0M |
| Q4 2025 | 14.45% | 14.45% | 15.70% | 8.55% | $320.2M |
| Q1 2026 | 15.22% | 15.22% | 16.47% | 9.14% | $321.7M |
| Q2 2026 | 15.52% | 15.52% | 16.77% | 9.29% | $318.1M |
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 1147) · FFIEC NIC profile (RSSD 530655)