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%.
Accumulated other comprehensive income rose 3.3% from Q1 2026 to Q2 2026, ending at -$8.7M against -$8.9M. It was the largest change among the key lines on this page. Among 20 Mississippi banks, The Peoples Bank sits 3rd from the top on CET1 ratio, 20.58% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Peoples Bank sits 5.51 points higher, at 20.58% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.58% |
| Tier 1 risk-based capital ratio | 20.58% |
| Total risk-based capital ratio | 21.72% |
| Tier 1 leverage ratio | 10.25% |
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 | $60.3M |
| Tier 1 capital | $60.3M |
| Total risk-based capital | $63.6M |
| Total equity capital | $52.1M |
| Risk-weighted assets | $293.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.96% |
| Tangible equity to tangible assets | 8.89% |
| Equity capital to average assets | 8.85% |
| Internal capital growth rate | 6.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $696K |
| Common stock surplus | $25.1M |
| Retained earnings | $35.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.7M |
| 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 | 21.21% | 21.21% | 22.46% | 10.90% | $250.8M |
| Q4 2023 | 21.61% | 21.61% | 22.85% | 10.77% | $244.8M |
| Q1 2024 | 21.82% | 21.82% | 23.04% | 10.86% | $248.7M |
| Q2 2024 | 21.86% | 21.86% | 23.05% | 10.88% | $251.7M |
| Q3 2024 | 21.78% | 21.78% | 22.96% | 10.94% | $256.0M |
| Q4 2024 | 21.30% | 21.30% | 22.45% | 10.54% | $258.3M |
| Q1 2025 | 21.68% | 21.68% | 22.82% | 10.80% | $262.4M |
| Q2 2025 | 21.52% | 21.52% | 22.65% | 10.64% | $268.2M |
| Q3 2025 | 21.53% | 21.53% | 22.66% | 10.72% | $272.7M |
| Q4 2025 | 20.81% | 20.81% | 21.93% | 10.41% | $279.0M |
| Q1 2026 | 20.86% | 20.86% | 22.00% | 10.42% | $285.4M |
| Q2 2026 | 20.58% | 20.58% | 21.72% | 10.25% | $293.0M |
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 15871) · FFIEC NIC profile (RSSD 593249)