The Peoples Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.62% +1.62 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $12.1M | 12,123 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $114.2M | 114,155 | RCOAA224 |
| Recomputed ratio | 10.62% | numerator / denominator | |
| Filed ratio | 10.62% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.62 pp | $1.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 650 | 650 | 650 | 650 | 650 | 650 | RCOAP742 |
| Retained earnings | 11,520 | 11,277 | 11,259 | 11,109 | 10,976 | 10,843 | RCOAKW00 |
| Accumulated other comprehensive income | (1,085) | (1,118) | (1,042) | (1,134) | (1,334) | (1,487) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,085 | 10,809 | 10,867 | 10,625 | 10,292 | 10,006 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,038 | 1,065 | 984 | 1,070 | 1,265 | 1,412 | P859 - P840 |
| Common equity Tier 1 capital | 12,123 | 11,874 | 11,851 | 11,695 | 11,557 | 11,418 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 12,123 | 11,874 | 11,851 | 11,695 | 11,557 | 11,418 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 114,155 | 113,074 | 112,333 | 110,583 | 109,252 | 110,329 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.62% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.50% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 10.55% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.58% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 10.58% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.35% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.13% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.05% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.16% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.20% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.01% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.15% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The Peoples Bank (this bank) | CBLR | NA | NA | NA | 10.62% | |
| Monument Bank | $112.8M | CBLR | NA | NA | NA | 9.89% |
| Legacy Bank | $112.8M | CBLR | NA | NA | NA | 8.29% |
| The Bank of Commerce and Trust Company | $112.8M | Risk-based | 18.99% | 18.99% | 19.85% | 8.84% |
| Exchange State Bank | $112.7M | CBLR | NA | NA | NA | 11.47% |
| Security State Bank of Wanamingo, Incorporated | $112.7M | CBLR | NA | NA | NA | 11.37% |
| Spring Valley Bank | $113.6M | CBLR | NA | NA | NA | 34.07% |
| Farmers and Mechanics Federal Savings Bank | $113.6M | Risk-based | 11.76% | 11.76% | 12.17% | 6.79% |
| Great Nations Bank | $113.8M | CBLR | NA | NA | NA | 10.27% |
| Farmers State Bank of Underwood | $113.8M | Risk-based | 11.53% | 11.53% | 12.78% | 8.62% |
| Monroe Savings Bank | $114.0M | Risk-based | 24.75% | 24.75% | 26.01% | 14.02% |
| Peer 25th percentile | 11.70% | 11.70% | 12.63% | 8.67% | ||
| Peer median | 15.37% | 15.37% | 16.32% | 10.08% | ||
| Peer 75th percentile | 20.43% | 20.43% | 21.39% | 11.45% | ||
| This bank's percentile | NA | NA | NA | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/591357/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.