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%.
Retained earnings climbed 11.2% in Q2 2026, from $7.7M to $8.5M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.67% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $31.4M |
| Tier 1 capital | $31.4M |
| Total risk-based capital | — |
| Total equity capital | $31.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.51% |
| Tangible equity to tangible assets | 11.51% |
| Equity capital to average assets | 11.53% |
| Internal capital growth rate | 11.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $22.7M |
| Retained earnings | $8.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$365K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.93% | 10.44% | 10.44% |
| Q4 2023 | 11.01% | 10.61% | 10.61% |
| Q1 2024 | 11.03% | 10.22% | 10.22% |
| Q2 2024 | 10.75% | 10.08% | 10.08% |
| Q3 2024 | 10.57% | 10.23% | 10.23% |
| Q4 2024 | 10.57% | 10.31% | 10.31% |
| Q1 2025 | 10.86% | 10.50% | 10.50% |
| Q2 2025 | 10.80% | 10.30% | 10.30% |
| Q3 2025 | 10.59% | 10.52% | 10.52% |
| Q4 2025 | 11.14% | 11.44% | 11.44% |
| Q1 2026 | 11.47% | 11.06% | 11.06% |
| Q2 2026 | 11.67% | 11.51% | 11.51% |
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 16152) · FFIEC NIC profile (RSSD 611031)